ΕΑΕΕ: Η ιδιωτική ασφάλιση στην Ελλάδα το 2014

2. Y¶∏ƒ∂™π∞ ª∂§∂∆ø¡ & ™∆∞∆π™∆π∫∏™
Aı‹Ó· 2015
H ŒÓˆÛË AÛÊ·ÏÈÛÙÈÎÒÓ EÙ·ÈÚÈÒÓ EÏÏ¿‰Ô˜ ·ÔÙÂÏ› ÙÔÓ ÎÂÓÙÚÈÎfi ÊÔÚ¤·
ÂÎÚÔÛÒËÛ˘ ÙˆÓ ∞ÛÊ·ÏÈÛÙÈÎÒÓ ∂ȯÂÈÚ‹ÛÂˆÓ Ô˘ ÏÂÈÙÔ˘ÚÁÔ‡Ó ÛÙËÓ ∂ÏÏ¿‰·
Ì 56 ̤ÏË, Ô˘ ÂÎÚÔÛˆÔ‡Ó ÂÚÈÛÛfiÙÂÚÔ ·fi ÙÔ 95% Ù˘ ·Ú·ÁˆÁ‹˜ ·ÛÊ·Ï›ÛÙÚˆÓ,
Ù· ÔÔ›· ÚÔÛʤÚÔ˘Ó fiÏÔ ÙÔ Ê¿ÛÌ· ÙˆÓ Û‡Á¯ÚÔÓˆÓ ·ÛÊ·ÏÈÛÙÈÎÒÓ ÚÔ˚fiÓÙˆÓ
ÙfiÛÔ ÛÙËÓ ∂ÏÏ¿‰· fiÛÔ Î·È ÛÙÔ Â͈ÙÂÚÈÎfi.
™‹ÌÂÚ·, Ë ∂ÏÏËÓÈ΋ ·ÛÊ·ÏÈÛÙÈ΋ ·ÁÔÚ¿ Û˘Ì‚¿ÏÏÂÈ ÔÏÏ·Ï¿ ÛÙËÓ ÚÔ·ÁˆÁ‹
Ù˘ ∂ıÓÈ΋˜ √ÈÎÔÓÔÌ›·˜ ·ÏÏ¿ Î·È ÛÙËÓ ÎÔÈÓˆÓÈ΋ ÛÙ·ıÂÚfiÙËÙ· ̤ۈ Ù˘ ·ÚÔ¯‹˜
ÙˆÓ ·ÛÊ·ÏÈÛÙÈÎÒÓ Î·Ï‡„ˆÓ.
√È ∞ÛÊ·ÏÈÛÙÈΤ˜ ∂ȯÂÈÚ‹ÛÂȘ ηٷÁÚ¿ÊÔ˘Ó ÂÙ‹ÛÈ· ·Ú·ÁˆÁ‹ ·ÛÊ·Ï›ÛÙÚˆÓ
Ù˘ Ù¿Í˘ ÙˆÓ 4 ‰ÈÛ. ú Î·È ·Ú¤¯Ô˘Ó ÂÚ›Ô˘ 3 ‰ÈÛ. ú Û ·Ô˙ËÌÈÒÛÂȘ ÂÙËÛ›ˆ˜.
∞·Û¯ÔÏÔ‡Ó ÂÚ› ÙÔ˘˜ 7.500 ÌÈÛıˆÙÔ‡˜ ÂÚÁ·˙fiÌÂÓÔ˘˜ Î·È ¿ÏÏÔ˘˜ 20.000 Û˘ÓÂÚÁ¿Ù˜
ÂÓÒ ‰È·ÙËÚÔ‡Ó ÂÂÓ‰‡ÛÂȘ ¿Óˆ ÙˆÓ 11 ‰ÈÛ. ú.
www.eaee.gr
∏ ·ÚÔ‡Û· ¤ÎıÂÛË ˘fiÎÂÈÙ·È Û ÚÔÛÙ·Û›· Ù˘ ÓÔÌÔıÂÛ›·˜ ÂÚ› ÓÂ˘Ì·ÙÈÎÒÓ ‰ÈηȈ̿وÓ. ∂ÈÛËÌ·›ÓÂÙ·È fiÙÈ Û‡Ìʈӷ Ì ÙÔÓ ¡. 2121/1993
fiˆ˜ ÈÛ¯‡ÂÈ, ··ÁÔÚ‡ÂÙ·È Ë ·Ó·‰ËÌÔÛ›Â˘ÛË Î·È ÁÂÓÈο Ë ·Ó··Ú·ÁˆÁ‹ ÙÔ˘ ·ÚfiÓÙÔ˜ ¤ÚÁÔ˘, Ì ÔÔÈÔ‰‹ÔÙ ÙÚfiÔ, ÙÌËÌ·ÙÈο ‹ ÂÚÈ-
ÏËÙÈο, ÛÙÔ ÚˆÙfiÙ˘Ô ‹ Û ÌÂÙ¿ÊÚ·ÛË ‹ ¿ÏÏË ‰È·Û΢‹, ¯ˆÚ›˜ ÁÚ·Ù‹ ¿‰ÂÈ· ÙÔ˘ ÂΉfiÙË. ∫·Ùã ÂÍ·›ÚÂÛË ÂÈÙÚ¤ÂÙ·È Ë ÙÌËÌ·ÙÈ΋ ·Ó·-
·Ú·ÁˆÁ‹ ÙÔ˘ ·ÚfiÓÙÔ˜, ÂÊfiÛÔÓ Á›ÓÂÙ·È ·Ó·ÊÔÚ¿ ÛÙËÓ ËÁ‹ ˆ˜ ÂÍ‹˜ "∂Ù‹ÛÈ· ™Ù·ÙÈÛÙÈ΋ ŒÎıÂÛË Ù˘ ∂∞∂∂: ∏ π‰ÈˆÙÈ΋ ∞ÛÊ¿ÏÈÛË ÛÙËÓ ∂ÏÏ¿‰·
2014"
™ËÌÂÈÒÓÂÙ·È fiÙÈ ÌÔÏÔÓfiÙÈ fiÏ· Ù· ÛÙÔȯ›· Ô˘ ¤¯Ô˘Ó ¯ÚËÛÈÌÔÔÈËı› ÁÈ· ÙËÓ ¤Î‰ÔÛË ÙÔ˘ ·ÚfiÓÙÔ˜ ¤ÚÁÔ˘ ¤¯Ô˘Ó ÏËÊı› ·fi ·ÍÈfiÈÛÙ˜
ËÁ¤˜, Ë ∂∞∂∂ ‰ÂÓ Ê¤ÚÂÈ Î·Ì›· ¢ı‡ÓË ÁÈ· ÙËÓ ·ÎÚ›‚ÂÈ· ‹ ÙËÓ ·Ï‹ıÂÈ· ·˘ÙÒÓ. ∏ ·ÚÔ‡Û· ¤ÎıÂÛË ·Ú¤¯ÂÙ·È ÁÈ· ÏfiÁÔ˘˜ ÂÓË̤ڈÛ˘ Î·È ÌfiÓÔ
Î·È Û η̛· ÂÚ›ÙˆÛË Ë ∂∞∂∂ ‰ÂÓ Ê¤ÚÂÈ Â˘ı‡ÓË ÁÈ· ÔÔÈ·‰‹ÔÙ ˙ËÌ›· ‹ ·ÒÏÂÈ· Ô˘ ı· ÚÔ¤ÏıÂÈ ·fi ÙË ¯Ú‹ÛË ÙˆÓ ÛÙÔȯ›ˆÓ ·˘Ù‹˜.

3. ∞°ƒ√∆π∫∏ ∞™º∞§π™∆π∫∏ ∞.∂.
∞π°∞π√¡ ∞.∞.∂.
∞∆§∞¡∆π∫∏ ∂¡ø™π™ ∞.∞.∂.
¢À¡∞ªπ™ ∞.∂.°.∞.
∏ ∂£¡π∫∏ ∞.∂.∂.°.∞.
∂Àƒø¶∞´∫∏ ∂¡ø™π™ ∞.∂.∂.°.∞.
∂Àƒø¶∞´∫∏ ¶π™∆∏ ∞.∂.°.∞.
∂Àƒø¶∏ ∞.∂.°.∞.
πª¶∂ƒπ√ §∞´º ∞.∂.∞.∂. ∑ø∏™ ∞.∂.
π¡∆∂ƒ∞ª∂ƒπ∫∞¡ ∂.∞.∂. ∑ø∏™ ∞.∂.
π¡∆∂ƒ∞ª∂ƒπ∫∞¡ ∂.∂.∞. ∑∏ªπø¡ ∞.∂.
π¡∆∂ƒ∞ª∂ƒπ∫∞¡ µ√∏£∂π∞™ ∞.∂.°.∞.
¡∂√™ ¶√™∂π¢ø¡ ∞.∂.∞.∂.
√ƒπ∑ø¡ ∞.∂.°.∞.
™π¢∂ƒ∏™ °. ∞™º∞§∂π∞π ∞.∂.°.∞.
™À¡∂∆∞πƒπ™∆π∫∏ ∞.∂.∂.°.∞.
À¢ƒ√°∂π√™ ∞.∞.∞.∂.
ALLIANZ ∂§§∞™ ∞.∞.∂.
AXA ∞™º∞§π™∆π∫∏ ∞.∂.
CNP ∑ø∏™ ∞.∞.∂.
CREDIT AGRICOLE ∞.∂.°.∞.
CREDIT AGRICOLE ∞.∞.∂. ∑ø∏™
DAS HELLAS ∞.∞.∂. °∂¡. ¡√ª. ¶ƒ√™∆∞™π∞™
EUROLIFE ERB ∞.∂.°.∞.
EUROLIFE ERB A.E.A. ∑ø∏™
ERGO ∞.∞.∂. ∑∏ªπø¡
ERGO ∞.∞.∂. ∑ø∏™
EULER HERMES A.A.E. ¶π™∆ø™∂ø¡ ∞.∂.
GENERALI HELLAS A.∞.∂.
GROUPAMA º√π¡π• ∞.∂.∞.∂.
INTERASCO ∞.∂.°.∞.
INTERLIFE A.∞.∂.°.∞.
INTERNATIONAL LIFE ∞.∂.°.∞.
INTERNATIONAL LIFE A.E.A. ∑ø∏™
METLIFE ∞.∂.∞.∑.
NN ∂. ∞. ∞. ∂. ∑ø∏™
PERSONAL INSURANCE ∞.∂.°.∞.
∞¡ø¡Àª∂™ ∞™º∞§π™∆π∫∂™ ∂∆∞πƒπ∂™
∞™º∞§π™∆π∫∂™ ∂¶IXEIPH™EI™
ª∂§∏ ∆∏™ ∂¡ø™∏™ ∞™º∞§π™∆π∫ø¡
∂∆∞πƒπø¡ ∂§§∞¢√™

4. À¶√∫∞∆∞™∆∏ª∞∆∞ ∞§§√¢∞¶ø¡
∞™º∞§π™∆π∫ø¡ ∂¶πÃ∂πƒ∏™∂ø¡
∫À¶ƒ√À ∞™º∞§π™∆π∫∏
∫À¶ƒ√À ∑ø∏™
AGA INTERNATIONAL S.A.
AIG EUROPE LTD
ASSOCIATION OF LLOYD’S UNDERWRITERS
A.R.A.G. ALLGEMEINE S. VERSICHERUNGS
ATRADIUS CREDIT INSURANCE N.V.
CNP INSURANCE LTD
EUROP ASSISTANCE
GENWORTH FINANCIAL F.I.C.L.
HDI – GERLING INDUSTRIE VERSICHERUNG AG
HELLAS DIRECT INSURANCE LTD
INTER PARTNER ASSISTANCE
MALAYAN INSURANCE Co LTD
MAPFRE ASISTENCIA COMPANIA INTERNACIONAL
MITSUI MARINE & FIRE INSURANCE CÔ (EUROPE) LTD
PRIME INSURANCE
ROYAL & SUN ALLIANCE INSURANCE PLC
TOKIO MARINE EUROPE INSURANCE LIMITED

5. Eπ™∞°ø°∏ 6
∆∞ µ∞™π∫∞ ª∂°∂£∏ 7
H π¢πø∆π∫∏ ∞™º∞§π™∏ ™THN E§§A¢A
KAI ™THN EYPø¶H 9
TA ME°E£H TH™ E§§HNIKH™
A™ºA§I™TIKH™ A°OPA™ 18
¶π¡∞∫∂™ ™∆∞∆π™∆π∫ø¡ ª∂°∂£ø¡ 27
¶∂ƒπ∂Ã√ª∂¡∞

6. ∏ ¤Î‰ÔÛË Ù˘ ŒÓˆÛ˘ ∞ÛÊ·ÏÈÛÙÈÎÒÓ ∂Ù·ÈÚÈÒÓ ∂ÏÏ¿‰Ô˜ Ô˘ Îڷٿ٠ÛÙ· ¯¤ÚÈ· Û·˜
·ÚÔ˘ÛÈ¿˙ÂÈ Û˘ÁÎÂÓÙÚˆÙÈο Ù· ‚·ÛÈο ÌÂÁ¤ıË Ù˘ ÂÏÏËÓÈ΋˜ ·ÛÊ·ÏÈÛÙÈ΋˜ ·ÁÔÚ¿˜
ÁÈ· ÙÔ ¤ÙÔ˜ 2014.
TÔ 2014 ‹Ù·Ó Ì›· ·ÎfiÌ· ‰‡ÛÎÔÏË ÔÈÎÔÓÔÌÈ΋ ¯ÚÔÓÈ¿ ÁÈ· ÙËÓ ∂ÏÏ¿‰·.
™Â ·˘Ùfi ÙÔ ÂÚÈ‚¿ÏÏÔÓ Ë ÂÏÏËÓÈ΋ ·ÛÊ·ÏÈÛÙÈ΋ ·ÁÔÚ¿ Â¤‰ÂÈÍ ·ÍÈÔÛËÌ›ˆÙË ·ÓÙÔ¯‹
Ì ÙË Û˘ÓÔÏÈ΋ ·Ú·ÁˆÁ‹ ·ÛÊ·Ï›ÛÙÚˆÓ Ó· ‰È·ÌÔÚÊÒÓÂÙ·È ÛÙ· 4 ‰ÈÛ. ú,
ÛËÌÂÈÒÓÔÓÙ·˜ Û˘ÁÎÚ·ÙË̤ÓË Ì›ˆÛË (-1,2%) Û ۯ¤ÛË Ì ÙÔ 2013.
¶·Ú¿ÏÏËÏ·, Ô ·ÛÊ·ÏÈÛÙÈÎfi˜ ÎÏ¿‰Ô˜ Â͢ËÚÂÙÒÓÙ·˜ ÙȘ ˘Ô¯ÚÂÒÛÂȘ ÙÔ˘ ·¤Ó·ÓÙÈ
ÛÙÔ˘˜ ·ÛÊ·ÏÈṲ̂ÓÔ˘˜ Ï‹ÚˆÛ 2,4 ‰ÈÛ. ú Û ·ÛÊ·ÏÈÛÙÈΤ˜ ·Ô˙ËÌÈÒÛÂȘ.
∆ËÓ ›‰È· ¯ÚÔÓÈ¿, ÔÈ ÂÂÓ‰‡ÛÂȘ ÙÔ˘ ·ÛÊ·ÏÈÛÙÈÎÔ‡ ÎÏ¿‰Ô˘ ·˘Í‹ıËÎ·Ó Û 12 ‰ÈÛ. ú
·fi 11,4 ‰ÈÛ. ú ÙÔ 2013.
¶ÂÚÈÛÛfiÙÂÚ· Î·È ÈÔ ·Ó·Ï˘ÙÈο ÛÙÔȯ›· ÁÈ· Ù· ‚·ÛÈο ÌÂÁ¤ıË Ô˘ ·ÔÙ˘ÒÓÔ˘Ó
ÙËÓ ÔÚ›· Ù˘ ·ÛÊ·ÏÈÛÙÈ΋˜ ·ÁÔÚ¿˜ ÙÔ 2014 ÛÙËÓ ∂ÏÏ¿‰· Î·È ÙËÓ ∂˘ÚÒË
ı· ‚Ú›Ù ÛÙȘ ÂfiÌÂÓ˜ ÛÂÏ›‰Â˜.
°È· ÂÈϤÔÓ ÏËÚÔÊÔڛ˜ Û¯ÂÙÈο Ì ÙËÓ ÂÏÏËÓÈ΋ ·ÛÊ·ÏÈÛÙÈ΋ ·ÁÔÚ¿,
ÙËÓ ŒÓˆÛË ∞ÛÊ·ÏÈÛÙÈÎÒÓ ∂Ù·ÈÚÈÒÓ ∂ÏÏ¿‰Ô˜ ·ÏÏ¿ Î·È ÚfiÛ‚·ÛË Û ÛÂÈÚ¿ ÌÂÏÂÙÒÓ
Ô˘ Ú·ÁÌ·ÙÔÔÈ› Ë ∂∞∂∂ Ì ÛÙfi¯Ô ÙËÓ ÂÓË̤ڈÛË ÁÈ· Ù· ÌÂÁ¤ıË
Î·È ÙË Û˘Ì‚ÔÏ‹ Ù˘ ∞ÛÊ¿ÏÈÛ˘ ÛÙËÓ ÎÔÈÓˆÓ›· Î·È ÙËÓ ÔÈÎÔÓÔÌ›·
ÂÈÛÎÂÊÙ›Ù ÙÔÓ ·Ó·Óˆ̤ÓÔ ÈÛÙÔ¯ÒÚÔ Ì·˜ www.eaee.gr
ª·ÚÁ·Ú›Ù· ∞ÓÙˆÓ¿ÎË
°ÂÓÈ΋ ¢È¢ı‡ÓÙÚÈ·
ŒÓˆÛË ∞ÛÊ·ÏÈÛÙÈÎÒÓ ∂Ù·ÈÚÈÒÓ ∂ÏÏ¿‰Ô˜

7. ∆∞ µ∞™π∫∞ ª∂°∂£∏
√π ∞™º∞§π™∆π∫∂™ ∂¶πÃ∂πƒ∏™∂π™
∞fi ÙȘ 65 ·ÛÊ·ÏÈÛÙÈΤ˜ ÂȯÂÈÚ‹ÛÂȘ ÔÈ Ôԛ˜ ‰Ú·ÛÙËÚÈÔÔÈ‹ıËηÓ
ÛÙËÓ ∂ÏÏ¿‰· ÙÔ 2014, ÔÈ 41 ‰Ú·ÛÙËÚÈÔÔÈ‹ıËÎ·Ó ÌfiÓÔ ÛÙȘ ·ÛÊ·Ï›-
ÛÂȘ ηٿ ∑ËÌÈÒÓ, ÔÈ 13 ÌfiÓÔ ÛÙȘ ·ÛÊ·Ï›ÛÂȘ ∑ˆ‹˜ Î·È 11 ‹Ù·Ó ªÈÎÙ¤˜.
ø˜ ÚÔ˜ ÙÔ Î·ıÂÛÙÒ˜ ÂÁηٿÛÙ·Û˘, ÔÈ ·ÛÊ·ÏÈÛÙÈΤ˜ ÂȯÂÈÚ‹ÛÂȘ ¯ˆ-
Ú›˙ÔÓÙ·È Û 43 ∞ÓÒÓ˘Ì˜ ∞ÛÊ·ÏÈÛÙÈΤ˜ ∂Ù·Èڛ˜, 19 ÀÔηٷÛÙ‹Ì·Ù·
·ÏÏÔ‰·ÒÓ ∞ÛÊ·ÏÈÛÙÈÎÒÓ ÂȯÂÈÚ‹ÛÂˆÓ Î·È 3 ¶·ÓÂÏÏ·‰ÈÎÔ‡˜ ·ÏÏË-
Ï·ÛÊ·ÏÈÛÙÈÎÔ‡˜ Û˘ÓÂÙ·ÈÚÈÛÌÔ‡˜.
∏ ¶∞ƒ∞°ø°∏ ∞™º∞§π™∆ƒø¡
∆· ·ÛÊ¿ÏÈÛÙÚ· ·fi ÚˆÙ·ÛÊ·ÏÈÛÙÈΤ˜ ÂÚÁ·Û›Â˜ (ÂÁÁÂÁÚ·Ì̤ӷ ·ÛÊ¿-
ÏÈÛÙÚ· Î·È ‰ÈηÈÒÌ·Ù· Û˘Ì‚ÔÏ·›ˆÓ) ¤ÊÙ·Û·Ó Ù· 4,0 ‰ÈÛ.ú, ÌÂȈ̤ӷ
ηٿ 1,2% Û ۯ¤ÛË Ì ÙÔ 2013. ∏ Ì›ˆÛË Ù˘ ·Ú·ÁˆÁ‹˜ ·ÛÊ·Ï›ÛÙÚˆÓ
‹Ù·Ó ·ÚfiÌÔÈ· Ì ÙËÓ Ì›ˆÛË ÙÔ˘ ∞.∂.¶. (-1,6% Û ÙÚ¤¯Ô˘Û˜ ÙÈ̤˜).
∞˘Ùfi ›¯Â ˆ˜ ·ÔÙ¤ÏÂÛÌ· ÙËÓ ÛÙ·ıÂÚÔÔ›ËÛË ÙÔ˘ ÔÛÔÛÙÔ‡ Û˘ÌÌÂ-
ÙÔ¯‹˜ Ù˘ π‰ÈˆÙÈ΋˜ ∞ÛÊ¿ÏÈÛ˘ ÛÙËÓ ∂ÏÏËÓÈ΋ √ÈÎÔÓÔÌ›· (2,23% ÙÔ˘
∞.∂.¶. ÙÔ 2014).
∞fi ·˘Ù¿, Ù· 2,1 ‰ÈÛ.ú ·ÊÔÚÔ‡Û·Ó ÛÙȘ ·ÛÊ·Ï›ÛÂȘ ηٿ ∑ËÌÈÒÓ (52,6%
ÙÔ˘ Û˘ÓfiÏÔ˘) ÂÓÒ ÙÔ 1,9 ‰ÈÛ.ú ÛÙȘ ·ÛÊ·Ï›ÛÂȘ ∑ˆ‹˜ (47,4%).
Z∏ªπø¡
Zø∏™
Mπ∫∆∂™
13 41
11
Z∏ªπø¡Zø∏™
∫∞∆∞¡√ª∏ ¶APA°ø°H™
∞™º∞§π™∆ƒø¡
47,4%
52,6%
¶∞ƒ∞°ø°∏ ∞™º∞§π™∆ƒø¡
(Û ‰ÈÛ.ú)
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™
∑ø∏™ ∑∏ªπø¡ ªπ∫∆∂™
™À¡√§√ ™À¡√§√
2014 2013
∞ÓÒÓ˘Ì˜ ·ÛÊ·ÏÈÛÙÈΤ˜ ÂȯÂÈÚ‹ÛÂȘ 11 21 11 43 45
ÀÔηٷÛÙ‹Ì·Ù· ·ÏÏÔ‰·ÒÓ
·ÛÊ·ÏÈÛÙÈÎÒÓ ÂȯÂÈÚ‹ÛÂˆÓ 2 17 0 19 19
∞ÏÏËÏ·ÛÊ·ÏÈÛÙÈÎÔ› Û˘ÓÂÙ·ÈÚÈÛÌÔ› 0 3 0 3 3
™‡ÓÔÏÔ 13 41 11 65 67
™˘ÓÔÏÈο 65 ·ÛÊ·ÏÈÛÙÈΤ˜ ÂȯÂÈÚ‹ÛÂȘ ‰Ú·ÛÙËÚÈÔÔÈ‹ıËÎ·Ó ÛÙËÓ ∂ÏÏ¿‰· ÙÔ 2014.
™ËÌ›ˆÛ·Ó 4,0 ‰ÈÛ.ú ·Ú·ÁˆÁ‹ ·ÛÊ·Ï›ÛÙÚˆÓ Î·È Ï‹ÚˆÛ·Ó 2,4 ‰ÈÛ.ú Û ·Ô˙ËÌÈÒÛÂȘ.
¶§∏£√™ ∞™º∞§π™∆π∫ø¡ ∂¶πÃ∂πƒ∏™∂ø¡
7
∆∞ µ∞™π∫∞ ª∂°∂£∏

8. ∆∞ √π∫√¡√ªπ∫∞ ª∂°∂£∏
∆Ô Û‡ÓÔÏÔ ÙÔ˘ ∂ÓÂÚÁËÙÈÎÔ‡ ÙˆÓ ·ÛÊ·ÏÈÛÙÈÎÒÓ ÂȯÂÈ-
Ú‹ÛÂˆÓ ¤ÌÂÈÓ ÛÙ·ıÂÚfi ÛÙ· 15,3 ‰ÈÛ.ú. √È ÂÂÓ‰‡ÛÂȘ
·˘Í‹ıËÎ·Ó ·fi 11,4 ‰ÈÛ. ÛÙ· 12,0 ‰ÈÛ.ú.
√È ·ÛÊ·ÏÈÛÙÈΤ˜ ÚԂϤ„ÂȘ ÚԂϤ„ÂȘ Â›Û˘ ·˘-
Í‹ıËÎ·Ó ·fi 11,5 ‰ÈÛ.ú ÛÙ· 11,8 ‰ÈÛ.ú.
∆¤ÏÔ˜, ÔÈ ·ÛÊ·ÏÈÛÙÈΤ˜ ÂȯÂÈÚ‹ÛÂȘ, η٤ÁÚ·„·Ó
Î¤Ú‰Ë ÚÔ ÊfiÚˆÓ ‡„Ô˘˜ 377 ÂηÙ.ú, ÂÓÒ Ù· ηı·Ú¿
Î¤Ú‰Ë ÌÂÙ¿ ÙËÓ ÊÔÚÔÏÔÁ›· ¤ÊÙ·Û·Ó ÛÙ· 244 ÂηÙ.ú.
¶·ÚÔÌÔ›ˆ˜, Ù· Î¤Ú‰Ë ÚÈÓ ÙË ÊÔÚÔÏÔÁ›· ÙÔ˘ 2013
‹Ù·Ó 548 ÂηÙ.ú ÂÓÒ ÙÔ ·ÔÙ¤ÏÂÛÌ· ÌÂÙ¿ ÊfiÚˆÓ ¤ÊÙ·-
Û ٷ 410 ÂηÙ.ú.
∞¶√∑∏ªπø™∂π™
√È Î·Ù·‚ÏËı›Û˜ ·Ô˙ËÌÈÒÛÂȘ ·fi ÙȘ ·ÛÊ·ÏÈÛÙÈΤ˜ ÂÈ-
¯ÂÈÚ‹ÛÂȘ ¤ÊÙ·Û·Ó Û˘ÓÔÏÈο Ù· 2,4 ‰ÈÛ.ú, ÂÌÊ·Ó›˙ÔÓÙ·˜
Ì›ˆÛË Î·Ù¿ 10,7% Û ۯ¤ÛË Ì ÙÔ 2013.
∞fi ·˘Ù¤˜ ÂÚ›Ô˘ 850 ÂηÙ.ú ηÙ¢ı‡ÓıËÎ·Ó Û ·Ô-
˙ËÌÈÒÛÂȘ ·ÛÊ·Ï›ÛÂˆÓ Î·Ù¿ ∑ËÌÈÒÓ (36% ÙÔ˘ Û˘ÓfiÏÔ˘
ÙˆÓ ·Ô˙ËÌÈÒÛˆÓ) Î·È 1,5 ‰ÈÛ.ú Û ·Ô˙ËÌÈÒÛÂȘ ·ÛÊ·-
Ï›ÛÂˆÓ ∑ˆ‹˜ (64% ÙÔ˘ Û˘ÓfiÏÔ˘).
∂¡∂ƒ°∏∆π∫√∞™º∞§π™∆π∫∂™
¶ƒ√µ§∂æ∂π™
E¶EN¢Y™EI™
Z∏ªπø¡
∫∞∆∞¡√ª∏ ∞¶√∑∏ªπø™∂ø¡
∞¶√∑∏ªπø™∂π™
(Û ‰ÈÛ.ú)
64,0%
36,0%
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™8
Zø∏™
∆∞ µ∞™π∫∞ ª∂°∂£∏∆∞ µ∞™π∫∞ ª∂°∂£∏

9. 1
∏ π¢πø∆π∫∏ ∞™º∞§π™∏
™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏
1
∏ π¢πø∆π∫∏ ∞™º∞§π™∏
™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏

10. ∆Ô 2014 ‹Ù·Ó Ë ¯ÚÔÓÈ¿ fiÔ˘
Ë ÔÈÎÔÓÔÌÈ΋ ‰Ú·ÛÙËÚÈfiÙËÙ· ¤‰ÂÈÍÂ
ÛËÌ›· ·Ó¿Î·Ì„˘ Ì ıÂÙÈÎfi Ú˘ıÌfi
ÌÂÁ¤ı˘ÓÛ˘ 0,8%, ÌÂÙ¿ ·fi ¤ÍÈ
¯ÚfiÓÈ· ÌÂÁ¿Ï˘ ‡ÊÂÛ˘.
√È ÂÍ·ÁˆÁ¤˜ ·˘Í‹ıËÎ·Ó Î·Ù¿ 8,4%,
Ë È‰ÈˆÙÈ΋ ηٷӿψÛË Î·Ù¿ 1,5%
ÂÓÒ ÙÔ Ï‹ıÔ˜ ÙˆÓ ·Ó¤ÚÁˆÓ
ÌÂÈÒıËΠηٿ 3,3%.
ŸÌˆ˜ ÙÔ 2014 ¯·Ú·ÎÙËÚ›ÛÙËÎÂ
·fi ·ÚÓËÙÈÎfi ÏËıˆÚÈÛÌfi.
™YMBO§H TH™ π¢IøTIKH™
∞™ºA§I™H™ ™THN ∂§§HNIKH
√IKONOMIA
∏ ∂§§∏¡π∫∏ √π∫√¡√ªπ∞ ∆√ 20141
∆Ô 2014 Ù· ‰ËÌÔÛÈÂ˘Ì¤Ó· ÙÚÈÌËÓÈ·›· ÛÙÔȯ›· ÙÔ˘ ∞∂¶ ‰Â›¯ÓÔ˘Ó Û·Ê‹
·ÔÎÏÈ̿ΈÛË Ù˘ ‡ÊÂÛ˘ ·fi ÙÔ ∞’ ÙÚ›ÌËÓÔ, Ì ·ÔÙ¤ÏÂÛÌ· ÛÙÔ Û‡-
ÓÔÏÔ ÙÔ˘ ¤ÙÔ˘˜ Ó· ηٷÁÚ¿ÊÂÙ·È ıÂÙÈÎfi˜ Ú˘ıÌfi˜ ÌÂÁ¤ı˘ÓÛ˘ Ù˘ Ù¿Í˘
ÙÔ˘ 0,8%, ÁÈ· ÚÒÙË ÊÔÚ¿ ÌÂÙ¿ ÙÔ 2007. ∏ ÌÂÙ·ÛÙÚÔÊ‹ ·˘Ù‹ ¤Ú¯ÂÙ·È
ÛÂ Û˘Ó¤¯ÂÈ· ÙˆÓ ¤ÍÈ ¯ÚfiÓˆÓ ‡ÊÂÛ˘ Ô˘ ÛˆÚ¢ÙÈο Ì›ˆÛ ÙÔ ∞∂¶ η-
Ù¿ ÂÚÈÛÛfiÙÂÚÔ ·fi 25%.
™˘ÁÎÂÎÚÈ̤ӷ, ÔÈ ÂÍ·ÁˆÁ¤˜ ·˘Í‹ıËÎ·Ó Î·Ù¿ 8,4% ÏfiÁˆ Ù˘ ·‡ÍËÛ˘
Ù˘ ·ÓÙ·ÁˆÓÈÛÙÈÎfiÙËÙ·˜ Î·È Ë È‰ÈˆÙÈ΋ ηٷӿψÛË ·˘Í‹ıËΠηٿ 1,5%
˘ÔÛÙËÚÈ˙fiÌÂÓË ·fi ÙËÓ ÛÙ·ıÂÚÔÔ›ËÛË ÙÔ˘ Ú·ÁÌ·ÙÈÎÔ‡ ‰È·ı¤ÛÈÌÔ˘
ÂÈÛÔ‰‹Ì·ÙÔ˜, ÙËÓ Ì›ˆÛË ÙÔ˘ ÁÂÓÈÎÔ‡ ÂÈ¤‰Ô˘ ÙˆÓ ÙÈÌÒÓ ·ÏÏ¿ Î·È ÙËÓ
Ì›ˆÛË Ù˘ ·‚‚·ÈfiÙËÙ·˜.
∏ ‰È·ÚıÚˆÙÈ΋ ·ÓÙ·ÁˆÓÈÛÙÈÎfiÙËÙ· Ù˘ ÂÏÏËÓÈ΋˜ ÔÈÎÔÓÔÌ›·˜ ‚ÂÏÙÈÒıË-
ΠÂÚ·ÈÙ¤Úˆ ÂÓÙfi˜ ÙÔ˘ 2014 ηıÒ˜ Ë ∂ÏÏ¿‰· ·Ó¤‚ËΠÛÙËÓ 81Ë ·fi
ÙËÓ 91Ë ı¤ÛË ÙÔ˘ World Economic Forum ÂÓÒ Û‡Ìʈӷ Ì ÙÔÓ ‰Â›ÎÙË
«Â˘¯¤ÚÂÈ·˜ ÙÔ˘ ÂȯÂÈÚ›ӻ Ù˘ ¶·ÁÎfiÛÌÈ·˜ ∆Ú¿Â˙·˜, Ë ı¤ÛË Ù˘ ‚ÂÏ-
ÙÈÒıËΠ·fi ÙËÓ 89Ë ÛÙËÓ ı¤ÛË 65Ë. øÛÙfiÛÔ, ·Ú·Ì¤ÓÂÈ ÛËÌ·ÓÙÈÎfi
¤‰·ÊÔ˜ Ó· Î·Ï˘Êı› ÛÙ· ı¤Ì·Ù· Ô˘ Û¯ÂÙ›˙ÔÓÙ·È Ì ÙËÓ ¯ÚËÌ·ÙÔ‰fi-
ÙËÛË, ÙËÓ ÁÚ·ÊÂÈÔÎÚ·Ù›· Î·È ÙÔ Û˘Ó¯Ҙ ÌÂÙ·‚·ÏÏfiÌÂÓÔ ÊÔÚÔÏÔÁÈÎfi
ÂÚÈ‚¿ÏÏÔÓ Î·ıÒ˜ ·ÔÙÂÏÔ‡Ó ÛËÌ·ÓÙÈο ÂÌfi‰È· ÛÙȘ ÂÚÁ·Û›Â˜ ÙˆÓ
ÂÏÏËÓÈÎÒÓ ÂȯÂÈÚ‹ÛˆÓ.
∂›Û˘, ıÂÙÈΤ˜ ÂÍÂÏ›ÍÂȘ ‹Ù·Ó Ë ·‡ÍËÛË Ù˘ Û˘ÓÔÏÈ΋˜ ··Û¯fiÏËÛ˘
ηٿ 0,3%, Ù˘ ÌÈÛıˆÙ‹˜ ··Û¯fiÏËÛ˘ ηٿ 2,3% ÂÓÒ Ô ÙÔ Ï‹ıÔ˜
ÙˆÓ ·Ó¤ÚÁˆÓ ÌÂÈÒıËΠηٿ 3,3%, ÁÈ· ÚÒÙË ÊÔÚ¿ ·fi ÙÔ 2008. ∆·˘Ùfi-
¯ÚÔÓ·, ·Ú·ÙËÚ‹ıËΠÌÈÎÚ‹ ·‡ÍËÛË ÙˆÓ ÂÂÓ‰‡ÛÂˆÓ Î·Ù¿ 1%.
√ ÏËıˆÚÈÛÌfi˜ ‹Ù·Ó ·ÚÓËÙÈÎfi˜ ηٿ ÙËÓ ‰È¿ÚÎÂÈ· ÙÔ˘ 2014 (Ô Ì¤ÛÔ˜
ÂÙ‹ÛÈÔ˜ ‹Ù·Ó -1,4%) ˆ˜ Û˘Ó¤ÂÈ· Ù˘ ÙÒÛ˘ ÙÔ˘ ÎfiÛÙÔ˘˜ ÂÚÁ·Û›·˜, Ù˘
ÌÂȈÙÈ΋˜ Â›‰Ú·Û˘ ÙˆÓ ¤ÌÌÂÛˆÓ ÊfiÚˆÓ Î·È Ù˘ ÙÒÛ˘ ÙˆÓ ‰ÈÂıÓÒÓ
ÙÈÌÒÓ ÙÔ˘ ÂÙÚÂÏ·›Ô˘.
√È ÂÍÂÏ›ÍÂȘ ÛÙËÓ ·ÁÔÚ¿ ÌÂÙÔ¯ÒÓ ÛÙËÓ ∂ÏÏ¿‰· ‹Ù·Ó Â›Û˘ ·ÚÓËÙÈΤ˜
ÙÔ 2014, ·Ó Î·È fi¯È ηı’ fiÏË ÙËÓ ‰È¿ÚÎÂÈ· ÙÔ˘ ¤ÙÔ˘˜. ∏ ˘Ô¯ÒÚËÛË ÙˆÓ
ÙÈÌÒÓ ÙˆÓ ÌÂÙÔ¯ÒÓ ÛÙÔ ÃÚËÌ·ÙÈÛÙ‹ÚÈÔ ∞ıËÓÒÓ ‹Ù·Ó ÛËÌ·ÓÙÈ΋ (Ë Ì›-
ˆÛË Ù˘ ÙÈÌ‹˜ ÎÏÂÈ̷ۛÙÔ˜ ÙÔ˘ °ÂÓÈÎÔ‡ ¢Â›ÎÙË ÌÂٷ͇ 31 ¢ÂÎÂÌ‚Ú›Ô˘
2014 Î·È 31 ¢ÂÎÂÌ‚Ú›Ô˘ 2013 ‹Ù·Ó 28,9%), ȉ›ˆ˜ ÙˆÓ Ù›ÙÏˆÓ ÙˆÓ ÙÚ·-
Â˙ÒÓ, ·Ú¿ ÙËÓ ÂȂ‚·›ˆÛË Ù˘ ÎÂʷϷȷ΋˜ Â¿ÚÎÂÈ·˜ ÛÙÔ Ï·›ÛÈÔ
Ù˘ ÚfiÛÊ·Ù˘ ™˘ÓÔÏÈ΋˜ ∞ÍÈÔÏfiÁËÛ˘ ·fi ÙËÓ ∂∫∆ ÙÔ˘ ÙÚ·Â˙ÈÎÔ‡
Û˘ÛÙ‹Ì·ÙÔ˜ ÙˆÓ ¯ˆÚÒÓ-ÌÂÏÒÓ Ù˘ ˙ÒÓ˘ ÙÔ˘ ¢ÚÒ.
1
∫›ÌÂÓÔ ‚·ÛÈṲ̂ÓÔ ÛÙËÓ ¤ÎıÂÛË ÙÔ˘ ¢ÈÔÈÎËÙ‹ Ù˘ ∆Ú¿Â˙·˜ Ù˘ ∂ÏÏ¿‰Ô˜ ÁÈ· ÙÔ ¤ÙÔ˜ 2014.
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™10
∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏
∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏

11. ∆¤ÏÔ˜, ÔÈ Û˘ÓÔÏÈΤ˜ ÂÂÓ‰‡ÛÂȘ, ·Ú¿ ÙËÓ ·‡ÍËÛË ÙˆÓ ‰ËÌÔÛ›ˆÓ ÂÂÓ-
‰‡ÛˆÓ, ·Ú·Ì¤ÓÔ˘Ó È‰È·›ÙÂÚ· ¯·ÌËϤ˜, ·ÓÙ·Ó·ÎÏÒÓÙ·˜ ÙËÓ Ì›ˆÛË
ÙˆÓ È‰ÈˆÙÈÎÒÓ ÂÂÓ‰‡ÛˆÓ, ˆ˜ ·ÔÙ¤ÏÂÛÌ· ΢ڛˆ˜ ÙÔ˘ ÂÚÈÔÚÈÛÌÔ‡
Ù˘ ÙÚ·Â˙È΋˜ ¯ÚËÌ·ÙÔ‰fiÙËÛ˘ Î·È ÙÔ˘ ˘„ËÏÔ‡ ÎfiÛÙÔ˘˜ ‰·ÓÂÈÛÌÔ‡.
∆ËÓ ›‰È· ¯ÚÔÓÈ΋ ÂÚ›Ô‰Ô, Ë ∂˘Úˆ·˚΋ ∫ÂÓÙÚÈ΋ ∆Ú¿Â˙· (∂∫∆) Ì›-
ˆÛ ٷ ‚·ÛÈο Ù˘ ÂÈÙfiÎÈ· Î·È ÂÈÛ‹Á·Á ÛÙÔ¯Â˘Ì¤Ó˜ Ú¿ÍÂȘ Ì·-
ÎÚÔÚfiıÂÛÌ˘ ·Ó·¯ÚËÌ·ÙÔ‰fiÙËÛ˘. ∂›Û˘, ÍÂΛÓËÛ ÙÔ ÚfiÁÚ·Ì-
Ì· «ÔÛÔÙÈ΋˜ ¯·Ï¿ÚˆÛ˘» ÙÔ ÔÔ›Ô ÂÚÈÏ·Ì‚¿ÓÂÈ ·ÁÔÚ¿ ÚÔ˚fiÓÙˆÓ
ÙÈÙÏÔÔ›ËÛ˘ ÙÚ·Â˙ÈÎÒÓ ··ÈÙ‹ÛˆÓ, Î·Ï˘ÌÌ¤ÓˆÓ ÙÚ·Â˙ÈÎÒÓ ÔÌÔ-
ÏÔÁÈÒÓ Î·È ÚÔÛÙ¤ıËÎ·Ó Û ·˘Ù¿, ·fi ÙÔ 2015, ÎÚ·ÙÈο ÔÌfiÏÔÁ·.
™Àªª∂∆√Ã∏ ∆∏™ π¢πø∆π∫∏™
∞™º∞§π™∏™ ™∆∏¡ ∂§§∏¡π∫∏
√π∫√¡√ªπ∞
∏ ̤ÙÚËÛË Ù˘ ÔÈÎÔÓÔÌÈ΋˜ Â›‰Ú·Û˘ Ù˘ ‰Ú·ÛÙËÚÈfiÙËÙ·˜ ÙˆÓ ·ÛÊ·-
ÏÈÛÙÈÎÒÓ ÂȯÂÈÚ‹ÛÂˆÓ ÛÙËÓ ÔÈÎÔÓÔÌ›· Ù˘ ¯ÒÚ·˜, ÌÔÚ› Ó· ÂÈ-
Ù¢¯ı› Ì ÙË ¯Ú‹ÛË ·ÚÈıÌÔ‰ÂÈÎÙÒÓ, Ô˘ ‰È¢ÎÔχÓÔ˘Ó Ù·˘Ùfi¯ÚÔÓ·
Î·È ÙË ‰ÈÂıÓ‹ Û˘ÁÎÚÈÛÈÌfiÙËÙ·.
∞) ¶√™√™∆√ ∂°°∂°ƒ∞ªª∂¡ø¡ ∞™º∞§π™∆ƒø¡
∂¶π ∆√À ∞.∂.¶.
∫·Ù¿ ÙÔ 2014, ÙÔ ÔÛÔÛÙfi Û˘ÌÌÂÙÔ¯‹˜ Ù˘ Û˘ÓÔÏÈ΋˜ ·Ú·ÁˆÁ‹˜
ÂÁÁÂÁÚ·ÌÌ¤ÓˆÓ ·ÛÊ·Ï›ÛÙÚˆÓ ·fi ÚˆÙ·ÛÊ·Ï›ÛÂȘ Î·È ‰ÈηȈ̿-
ÙˆÓ Û˘Ì‚ÔÏ·›ˆÓ Â› ÙÔ˘ ∞.∂.¶. (·Ó·ıˆÚË̤ÓÔ˘ Û‡Ìʈӷ ÌÂ
Ù· Ó¤· ÚfiÙ˘· E.S.A. 2010 Î·È ÂÎÊÚ·Ṳ̂ÓÔ˘ Û ÙÚ¤¯Ô˘Û˜ ·ÁÔ-
Ú·›Â˜ ÙÈ̤˜) ·˘Í‹ıËΠÂÏ·ÊÚÒ˜ ÛÙÔ 2,21% ÙÔ˘ ∞.∂.¶. ·fi 2,20%
ÙÔ 2013. ∞˘Ùfi Û˘Ó¤‚Ë ÂÂȉ‹ Ë ·Ú·ÁˆÁ‹ ·ÛÊ·Ï›ÛÙÚˆÓ ÛËÌ›-
ˆÛÂ Î¿Ì„Ë ÂÏ·ÊÚÒ˜ ÌÈÎÚfiÙÂÚË ÙÔ˘ Ú˘ıÌÔ‡ Ì›ˆÛ˘ ÙÔ˘ ∞.∂.¶.
™ÙÔ˘˜ ·ÚÈıÌË̤ÓÔ˘˜ ›Ó·Î˜ ÙÔ˘ ·Ú·ÚÙ‹Ì·ÙÔ˜ ηٷÁÚ¿ÊÔÓÙ·È
·Ó·Ï˘ÙÈο Ù· ÌÂÁ¤ıË Ô˘ ·Ó·Ê¤ÚÔÓÙ·È ÛÙËÓ ·ÚÔ‡Û· ¤ÎıÂÛË Î·È
·ÊÔÚÔ‡Ó ÙËÓ ÂͤÏÈÍË ÙÔ˘ ÎÏ¿‰Ô˘ Ù· ÙÂÏÂ˘Ù·›· ¯ÚfiÓÈ·.
µ) ¶√™√™∆√ ∂¶∂¡¢À™∂ø¡ ∂¶π ∆√À ∞.∂.¶.
√ ˘ÔÏÔÁÈÛÌfi˜ ÙÔ˘ Û˘ÓfiÏÔ˘ ÙˆÓ ÂÂÓ‰‡ÛÂˆÓ ÙˆÓ ·ÛÊ·ÏÈÛÙÈÎÒÓ
ÂȯÂÈÚ‹ÛÂˆÓ ˆ˜ ÔÛÔÛÙfi ÙÔ˘ ∞.∂.¶. Ù˘ ¯ÒÚ·˜, ·ÔÙÂÏ› ‰ÈÂıÓÒ˜
¤Ó· ‰Â›ÎÙË ÙÔ˘ ‚·ıÌÔ‡ ·Ó¿Ù˘Í˘ Ù˘ ·ÛÊ·ÏÈÛÙÈ΋˜ ·ÁÔÚ¿˜, ÂÓÒ
Ù·˘Ùfi¯ÚÔÓ· ·Ó·‰ÂÈÎÓ‡ÂÈ ÙË ‰˘Ó·ÌÈÎfiÙËÙ· Î·È ÙÔ ‚·ıÌfi ˆÚÈÌfiÙË-
Ù·˜ ȉȷÈÙ¤Úˆ˜ ÙÔ˘ ÎÏ¿‰Ô˘ ∑ˆ‹˜.
∆Ô ÔÛÔÛÙfi ÂÂÓ‰‡ÛÂˆÓ Ù˘ ∂ÏÏËÓÈ΋˜ ·ÛÊ·ÏÈÛÙÈ΋˜ ·ÁÔÚ¿˜ ¤ÊÙ·-
Û ÙÔ 6,7% ÙÔ 2014 Î·È Â›Ó·È Ë ˘„ËÏfiÙÂÚË ÙÈÌ‹ Ô˘ ¤¯ÂÈ Ï¿‚ÂÈ. ªÂ
ÂÍ·›ÚÂÛË Ù· ¤ÙË 2008 Î·È 2010, Ë ÔÚ›· ÙÔ˘ ‰Â›ÎÙË Â›Ó·È Û˘Ó¯Ҙ
·ÓÔ‰È΋. ŸÌˆ˜, Ô ‰Â›ÎÙ˘ Û˘Ó¯›˙ÂÈ Ó· ·¤¯ÂÈ fï˜ ·ÚÎÂÙ¿ ·fi ÙÔ
·ÓÙ›ÛÙÔÈ¯Ô Ì¤ÛÔ ÔÛÔÛÙfi ÙˆÓ ¿ÏÏˆÓ ∂˘Úˆ·˚ÎÒÓ ¯ˆÚÒÓ Ì ˘„Ë-
ÏfiÙÂÚÔ ‚·ıÌfi ·Ó¿Ù˘Í˘ Ù˘ ·ÛÊ·ÏÈÛÙÈ΋˜ ·ÁÔÚ¿˜, fiˆ˜ ·˘Ùfi η-
Ù·ÁÚ¿ÊÂÙ·È ÛÙÔ ÂfiÌÂÓÔ ÎÂÊ¿Ï·ÈÔ.
¶√™√™∆√ ∞™º∞§π™∆ƒø¡ ∂¶π ∆√À ∞.∂.¶.
¶√™√™∆√ ∂¶∂¡¢À™∂ø¡ ∂¶π ∆√À ∞.∂.¶.
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™11
∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏
∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏

12. ∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏
°) ∫∞∆∞ ∫∂º∞§∏¡ ∞™º∞§π™∆ƒ∞
°È· ¤ÌÙË Û˘Ó¯fiÌÂÓË ¯ÚÔÓÈ¿, Ô ÏfiÁÔ˜ Ù˘ ·Ú·ÁˆÁ‹˜ ·ÛÊ·Ï›ÛÙÚˆÓ
·fi ÚˆÙ·ÛÊ·Ï›ÛÂȘ (Î·È ‰ÈηÈÒÌ·Ù· Û˘Ì‚ÔÏ·›ˆÓ) ÚÔ˜ ÙÔ Û‡ÓÔÏÔ ÙÔ˘
ÏËı˘ÛÌÔ‡ (ÂÎÙ›ÌËÛË ÙÔ˘ ÏËı˘ÛÌÔ‡ ·fi ÙËÓ ∂ÏÏËÓÈ΋ ™Ù·ÙÈÛÙÈ΋ ∞Ú-
¯‹ ÛÙ· ̤۷ ÙÔ˘ ¤ÙÔ˘˜) ·ÚÔ˘ÛÈ¿˙ÂÈ Ì›ˆÛË.
√ ‰Â›ÎÙ˘ ÙˆÓ Û˘ÓÔÏÈÎÒÓ Î·Ù¿ ÎÂÊ·Ï‹Ó ·ÛÊ·Ï›ÛÙÚˆÓ (Î·È ‰ÈηȈ̿-
ÙˆÓ Û˘Ì‚ÔÏ·›ˆÓ) ·ÓÙÈÛÙÔȯԇÛ Û 253ú ÙÔ 2000 Î·È ·ÚÔ˘ÛÈ¿˙ÔÓÙ·˜
Û˘Ó¯‹ ·‡ÍËÛË Ù· ÂfiÌÂÓ· ¯ÚfiÓÈ· ¤Êı·Û ӷ ¿ÚÂÈ ÙÔ 2009 ÙË Ì¤-
ÁÈÛÙË ÙÈÌ‹ ÙÔ˘ (487ú ·Ó¿ οÙÔÈÎÔ). ŒÎÙÔÙÂ, Ô ‰Â›ÎÙ˘ ÌÂȈÓfiÙ·Ó Û˘-
Ó¯Ҙ Î·È ¤ÊÙ·Û ÛÙ· 363ú ·Ó¿ οÙÔÈÎÔ ÁÈ· ÙÔ 2014.
√ ·ÓÙ›ÛÙÔȯԘ ‰Â›ÎÙ˘ ÙˆÓ Î·Ù¿ ÎÂÊ·Ï‹Ó ÂÁÁÂÁÚ·ÌÌ¤ÓˆÓ ·ÛÊ·Ï›ÛÙÚˆÓ
Î·È ‰ÈÎ·ÈˆÌ¿ÙˆÓ Û˘Ì‚ÔÏ·›Ô˘ ÁÈ· ÙȘ ·ÛÊ·Ï›ÛÂȘ ∑ˆ‹˜ ‹Ù·Ó Û˘Ó¯Ҙ
·ÓÔ‰ÈÎfi˜ ·fi ÙÔ 2001 ˆ˜ ÙÔ 2007. ∞fi ÙÔ 2009 Î·È ÌÂÙ¿, Ë Ù¿ÛË ¤¯ÂÈ
·Ó·ÛÙÚ·Ê›. ∫·Ù¿ ÙÔ 2014, Ô ‰Â›ÎÙ˘ ·ÛÊ·Ï›ÛÙÚˆÓ ∑ˆ‹˜ (Û˘ÌÂÚÈÏ·Ì-
‚·ÓÔÌ¤ÓˆÓ ÙˆÓ ‰ÈÎ·ÈˆÌ¿ÙˆÓ Û˘Ì‚ÔÏ·›Ô˘) ¤ÊÙ·Û ٷ 172ú ·Ó¿ ο-
ÙÔÈÎÔ.
¶·ÚÔÌÔ›ˆ˜, Ô ‰Â›ÎÙ˘ ÙˆÓ Î·Ù¿ ÎÂÊ·Ï‹Ó ÂÁÁÂÁÚ·ÌÌ¤ÓˆÓ ·ÛÊ·Ï›ÛÙÚˆÓ
Î·È ‰ÈÎ·ÈˆÌ¿ÙˆÓ Û˘Ì‚ÔÏ·›ˆÓ ÁÈ· ÙȘ ·ÛÊ·Ï›ÛÂȘ ηٿ ∑ËÌÈÒÓ Î·Ù·ÁÚ¿-
ÊÂÈ È‰È·›ÙÂÚ· ‰˘Ó·ÌÈ΋ ·‡ÍËÛË Ì¤¯ÚÈ Î·È ÙÔ˘ 2010 fiÙ·Ó Î·È ¤ÊÙ·Û ٷ
270ú ·Ó¿ οÙÔÈÎÔ, ¤Ó·ÓÙÈ 140ú ÙÔ 2001. ŒÎÙÔÙÂ, ˘Ô¯ÒÚËÛ ÛÙ· 191
ú ÙÔ 2014.
∫∞∆∞ ∫∂º∞§∏¡ ∞™º∞§π™∆ƒ∞
(ÛÂ ú)
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™12
∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏

13. H EYPø¶A´KH
A™ºA§I™TIKH A°OPA
∏ ∂˘Úˆ·˚΋ ·ÛÊ·ÏÈÛÙÈ΋ ·ÁÔÚ¿, Ë ÔÔ›· Â›Ó·È Ë ÌÂÁ·Ï‡ÙÂÚË ÛÙÔÓ Îfi-
ÛÌÔ Ì ÌÂÚ›‰ÈÔ ·ÁÔÚ¿˜ 35%, ÛËÌ›ˆÛ ·‡ÍËÛË ÛÙËÓ ·Ú·ÁˆÁ‹ ·ÛÊ·-
Ï›ÛÙÚˆÓ Î·Ù¿ 2,1% (Û ÛÙ·ıÂÚ¤˜ Û˘Ó·ÏÏ·ÁÌ·ÙÈΤ˜ ÈÛÔÙÈ̛˜) Î·È ¤ÊÙ·-
Û ÛÙÔ 1,1 ÙÚÈÛ.ú, fiˆ˜ ÌÂÙÚ‹ıËΠ·fi ÙËÓ ∂˘Úˆ·˚΋ ∂ÈÙÚÔ‹ ∞ÛÊ·-
Ï›ÛÂˆÓ (Insurance Europe).
∫·Ù¿ÙˉȿÚÎÂÈ·Ù˘ ‰ÈÂÙ›·˜2012-2013,
Ë ∂˘Úˆ·˚΋ ·ÛÊ·ÏÈÛÙÈ΋ ·ÁÔÚ¿
·‡ÍËÛ ÙËÓ Û˘ÓÔÏÈ΋ ·Ú·ÁˆÁ‹
·ÛÊ·Ï›ÛÙÚˆÓ Ù˘ Ë ÔÔ›· ¤Êı·ÛÂ
ÙÔ1,1ÙÚÈÛ.ú ÙÔ2013.√È ·ÛÊ·Ï›ÛÂȘ
∑ˆ‹˜ ·ÊÔÚÔ‡Ó ÛÙÔ 60%
Ù˘ ·Ú·ÁˆÁ‹˜ ÂÓÒ ÙÔ ˘fiÏÔÈÔ
·ÊÔÚ¿ ÛÙȘ ·ÛÊ·Ï›ÛÂȘ ηٿ ∑ËÌÈÒÓ.
¶∞ƒ∞°ø°∏ ∞™º∞§π™∆ƒø¡ INSURANCE EUROPE 32
(Û ‰ÈÛ. ú)
∞ƒπ£ª√™ ∂¶πÃ∂πƒ∏™∂ø¡
√ ·ÚÈıÌfi˜ ÙˆÓ ∞ÛÊ·ÏÈÛÙÈÎÒÓ ∂ȯÂÈÚ‹ÛÂˆÓ ÛÙȘ 32 ¯ÒÚ˜ – ̤ÏË Ù˘
Insurance Europe ¤Êı·Û ÙȘ 5.357 Û‡Ìʈӷ Ì ٷ ÔÚÈÛÙÈο ÛÙÔȯ›·
ÙÔ˘ ¤ÙÔ˘˜ 2013 (Ô˘ Â›Ó·È Î·È Ù· ÙÂÏÂ˘Ù·›· ‰È·ı¤ÛÈÌ·) ÌÂȈ̤ÓÔ˜ η-
Ù¿ 1,2% Û ۯ¤ÛË Ì ÙÔ 2012, ·Ú·Ì¤ÓÔÓÙ·˜ fï˜ ÛÙ·ıÂÚ¿ ¿Óˆ ·fi
ÙȘ 5.000 Ù· ÙÂÏÂ˘Ù·›· ¯ÚfiÓÈ· Ì ÌÈÎÚ¤˜ ‰È·Î˘Ì¿ÓÛÂȘ.
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™13
∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏
∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏

14. ™Àªª∂∆√Ã∏ ∞™º∞§π™∆ƒø¡
™∆√ ™À¡√§√ ∆ø¡ 32 Ãøƒø¡
ª∂§ø¡ ∆∏™ INSURANCE EUROPE
Zø∏™Z∏ªπø¡
40%
60%
∏ ¶∞ƒ∞°ø°∏ ∞™º∞§π™∆ƒø¡
∏ Û˘ÓÔÏÈ΋ ·Ú·ÁˆÁ‹ ·ÛÊ·Ï›ÛÙÚˆÓ ÙˆÓ 32 ¯ˆÚÒÓ ÌÂÏÒÓ Ù˘ Insurance
Europe ¤Êı·Û ٷ 1.116,9 ‰ÈÛ.ú ÙÔ 2013 (Û‡Ìʈӷ Ì ٷ ÙÂÏÂ˘Ù·›·
‰È·ı¤ÛÈÌ· ·Ó·Ï˘ÙÈο ÛÙÔȯ›·), ·˘Í¿ÓÔÓÙ·˜ ηٿ 2,1% Û ÙÚ¤¯Ô˘Û˜ ÙÈ-
̤˜ ¤Ó·ÓÙÈ Ù˘ ÚÔËÁÔ‡ÌÂÓ˘ ¯ÚÔÓÈ¿˜.
√È ·ÛÊ·Ï›ÛÂȘ ∑ˆ‹˜, ÔÈ Ôԛ˜ ηχÙÔ˘Ó ÂÚ›Ô˘ ÙÔ 60% ÙˆÓ ·ÛÊ·-
Ï›ÛÙÚˆÓ, ·˘Í‹ıËÎ·Ó Î·Ù¿ 3,1% Û ÙÚ¤¯Ô˘Û˜ ÙÈ̤˜ ÙÔ 2013 (ÌÂÙ¿ ·fi
·‡ÍËÛË 2% ÙÔ 2012) ÎÈ ¤ÊÙ·Û·Ó ÛÙ· 667 ‰ÈÛ. ú. √È ÌÂÁ·Ï‡ÙÂÚ˜ ·ÁÔ-
Ú¤˜ Â›Ó·È ·˘Ù¤˜ ÙÔ˘ ∏ӈ̤ÓÔ˘ µ·ÛÈÏ›Ԣ, Ù˘ °·ÏÏ›·˜, Ù˘ °ÂÚÌ·Ó›·˜ ηÈ
Ù˘ πÙ·Ï›·˜, ¯ÒÚ˜ Ô˘ ·ıÚÔ›˙Ô˘Ó ÂÚ›Ô˘ ÙÔ 70% Ù˘ ·Ú·ÁˆÁ‹˜.
ŸÛÔÓ ·ÊÔÚ¿ ÙȘ ·ÛÊ·Ï›ÛÂȘ ηٿ ∑ËÌÈÒÓ, Ë Ì›ˆÛ‹ ÙÔ˘˜ Û ۯ¤ÛË ÌÂ
ÙÔ 2012 ‹Ù·Ó -0,4% Û ÙÚ¤¯Ô˘Û˜ ÙÈ̤˜. ∏ ∞ÛÙÈ΋ ¢ı‡ÓË Ô¯ËÌ¿ÙˆÓ ·-
ڷ̤ÓÂÈ Ô ÌÂÁ·Ï‡ÙÂÚÔ˜ Û ·Ú·ÁˆÁ‹ (129,5 ‰ÈÛ.ú) ÎÏ¿‰Ô˜ ·ÛÊ¿ÏÈÛ˘
ÛÙȘ ·ÛÊ·Ï›ÛÂȘ ηٿ ∑ËÌÈÒÓ Î·ıÒ˜ Û ·˘ÙfiÓ ÏÔÁ›˙ÂÙ·È ÂÚ›Ô˘ ÙÔ 29%
Ù˘ ·Ú·ÁˆÁ‹˜ ÙÔ˘˜. ∆¤ÏÔ˜, Ë ·Ú·ÁˆÁ‹ Ù˘ ·ÛÊ¿ÏÈÛ˘ ÂÚÈÔ˘Û›·˜
¤Êı·Û ٷ 90 ‰ÈÛ. ú ÙÔ 2013, ·˘ÍË̤ÓË Î·Ù¿ 0,5% Û ۯ¤ÛË Ì ÙÔ 2012.
∫·Ù¿ Û˘Ó¤ÂÈ· Ë Û˘ÌÌÂÙÔ¯‹ ÙˆÓ ·ÛÊ·Ï›ÛÂˆÓ ∑ˆ‹˜ ÛÙÔ Û‡ÓÔÏÔ Ù˘ ·-
Ú·ÁˆÁ‹˜ ·ÛÊ·Ï›ÛÙÚˆÓ ÙˆÓ 32 ¯ˆÚÒÓ ÌÂÏÒÓ Ù˘ Insurance Europe ¤Êı·-
Û ÙÔ 2013 ÛÙÔ 60%, ÂÏ·ÊÚ¿ ·˘ÍË̤ÓË Û ۯ¤ÛË Ì ÙÔ 2012. ∞ÓÙ›ÛÙÔȯ·,
Ë Û˘ÌÌÂÙÔ¯‹ ÙˆÓ ·ÛÊ·Ï›ÛÂˆÓ Î·Ù¿ ∑ËÌÈÒÓ ÛÙÔ Û‡ÓÔÏÔ Ù˘ ·Ú·Áˆ-
Á‹˜ ·ÛÊ·Ï›ÛÙÚˆÓ ÙˆÓ È‰›ˆÓ ¯ˆÚÒÓ ¤Êı·Û ÙÔ 2013 ÛÙÔ 40%.
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™14
∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏
∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏

15. √π ∂¶∂¡¢À™∂π™
∆Ô Û‡ÓÔÏÔ ÙˆÓ ÂÂÓ‰‡ÛÂˆÓ ÛÙȘ ¯ÒÚ˜ ̤ÏË Ù˘ Insurance Europe ÛÙ·
Ù¤ÏË ÙÔ˘ 2013 ÂÎÙÈÌ¿Ù·È fiÙÈ ·˘Í‹ıËΠ۠ÙÚ¤¯Ô˘Û˜ ÙÈ̤˜ Î·È ¤ÊÙ·Û ÛÙ·
8,5 ÙÚÈÛ.ú. ∏ ·ÛÊ·ÏÈÛÙÈ΋ ·ÁÔÚ¿ ·ÔÙÂÏ› ÙÔÓ ÌÂÁ·Ï‡ÙÂÚÔ ıÂÛÌÈÎfi
ÂÂÓ‰˘Ù‹ ÛÙËÓ ∂˘ÚÒË Î·ıÒ˜ ‰È·¯ÂÈÚ›˙ÂÙ·È Û¯Â‰fiÓ ÙȘ ÌÈÛ¤˜ ÂÂÓ‰‡ÛÂȘ
ÙÔ˘ Û˘ÓfiÏÔ˘ ÙˆÓ ıÂÛÌÈÎÒÓ ÂÂÓ‰˘ÙÒÓ. ¶ÂÚÈÛÛfiÙÂÚÔ ·fi 60% (5,3 ÙÚÈÛ.
ú) ÙˆÓ ÂÂÓ‰‡ÛÂˆÓ ÙˆÓ ·ÛÊ·ÏÈÛÙÈÎÒÓ ÂȯÂÈÚ‹ÛÂˆÓ ·Ó‹ÎÂÈ Û ·˘Ù¤˜
Ù˘ °·ÏÏ›·˜, ÙÔ˘ ∏ӈ̤ÓÔ˘ µ·ÛÈÏ›Ԣ Î·È Ù˘ °ÂÚÌ·Ó›·˜. ∫·È ÔÈ ÙÚÂȘ ¯Ò-
Ú˜ ¤Ù˘¯·Ó ÛÙ·ıÂÚÔÔ›ËÛË ‹ ·‡ÍËÛË ÙÔ˘ ¯·ÚÙÔÊ˘Ï·Î›Ô˘ ÙÔ˘˜ (+4,0%
ÛÙËÓ °·ÏÏ›·, +1,3% ÛÙÔ ∏ӈ̤ÓÔ µ·Û›ÏÂÈÔ, Î·È -0,4% ÛÙËÓ °ÂÚÌ·Ó›·).
∏ ·‡ÍËÛË ÙÔ˘ fiÁÎÔ˘ ÙˆÓ ÂÂÓ‰‡ÛÂˆÓ ÔÊ›ÏÂÙ·È ÛÙËÓ Î·Ï‹ ÔÚ›· ÙˆÓ
ÌÂÙÔ¯ÒÓ (·‡ÍËÛË ÙÔ˘ ¯ÚËÌ·ÙÈÛÙËÚÈ·ÎÔ‡ ‰Â›ÎÙË Eurostoxx ηٿ 18%) ηÈ
·ÚÎÂÙÒÓ ÂÈ̤ÚÔ˘˜ ÂıÓÈÎÒÓ ¯ÚËÌ·ÙÈÛÙËÚÈ·ÎÒÓ ·ÁÔÚÒÓ fiˆ˜ Î·È ÛÙËÓ
Ì›ˆÛË ÙˆÓ ÂÈÙÔΛˆÓ ÙˆÓ ÎÚ·ÙÈÎÒÓ ÔÌÔÏfiÁˆÓ ·ÚÎÂÙÒÓ ∂˘Úˆ·˚ÎÒÓ
¯ˆÚÒÓ.
°È· ÙÔ Û‡ÓÔÏÔ ÙˆÓ ¯ˆÚÒÓ Ù˘ Insurance Europe Û‡Ìʈӷ Ì ٷ ÔÚÈÛÙÈ-
ο ÛÙÔȯ›· ÙÔ˘ ¤ÙÔ˘˜ 2012, ÙÔ ÌÂÁ·Ï‡ÙÂÚÔ ÙÌ‹Ì· ÙˆÓ ÂÂÓ‰‡ÛˆÓ
(50,4%) ˘¿ÁÂÙ·È ÛÙËÓ Î·ÙËÁÔÚ›· ÙˆÓ ÔÌÔÏÔÁÈÒÓ Î·È ¿ÏÏˆÓ Ù›ÙÏˆÓ ÛÙ·-
ıÂÚ‹˜ ·fi‰ÔÛ˘.
ªÂÁ¿ÏË Â›Ó·È Â›Û˘ Ë Û˘ÌÌÂÙÔ¯‹ ÙˆÓ ÌÂÙÔ¯ÒÓ Î·È ¿ÏÏˆÓ Ù›ÙÏˆÓ ÌÂ-
Ù·‚ÏËÙ‹˜ ·fi‰ÔÛ˘ (21,0%), ·ÎÔÏÔ˘ıÔ‡ÌÂÓË ·fi ÙËÓ Î·ÙËÁÔÚ›· ‰·-
Ó›ˆÓ, Û˘ÌÂÚÈÏ·Ì‚·ÓÔÌ¤ÓˆÓ Î·È ÙˆÓ ÂÓ˘fiıËÎˆÓ (13,2%).
∞ÎÔÏÔ˘ıÔ‡Ó ÔÈ ÂÂÓ‰‡ÛÂȘ ÛÂ Û˘Ó‰Â‰Â̤Ó˜ ÂȯÂÈÚ‹ÛÂȘ Ì 7,9%, Ù·
·Î›ÓËÙ· Ì 3,1%, ÔÈ Î·Ù·ı¤ÛÂȘ Ì 1,3%, ÂÓÒ ÔÈ ÏÔÈ¤˜ ÂÂÓ‰‡ÛÂȘ Êı¿-
ÓÔ˘Ó ÙÔ 3,1%.
∞∫π¡∏∆∞
™Àªª∂∆√Ã∂™
™∂ ™À¡¢∂¢∂ª∂¡∂™
∂¶πÃ∂πƒ∏™∂π™
ª∂∆√Ã∂™, ª∂ƒπ¢π∞ ∫§¶.
∆π∆§√π ª∂∆∞µ§∏∆∏™
∞¶√¢√™∏™
√ª√§√°∞ ∫§¶. ∆π∆§√π ™∆∞£∂ƒ∏™ ∞¶√¢√™∏™
¢∞¡∂π∞
∫∞∆∞£∂™∂π™
§√π¶∂™
∂¶∂¡¢À™∂π™
∫∞∆∞¡√ª∏ ∂¶∂¡¢À™∂ø¡
21,0% 50.4%
13,2%
1,3%
3,1%
3,1%
7,9%
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™15
∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏
∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏

16. ¢π∞ƒ£ƒø™∏ Ã∞ƒ∆√ºÀ§∞∫π√À
∞™º∞§π™∂ø¡ ∫∞∆∞ ∑∏ªπø¡
∏ ‰È¿ÚıÚˆÛË Û ·ÛÊ¿ÏÈÛÙÚ·, ÙÔ˘ ¯·ÚÙÔÊ˘Ï·Î›Ô˘ ÙˆÓ ·ÛʷϛۈÓ
˙ËÌÈÒÓ ÛÙÔ˘˜ ÂÈ̤ÚÔ˘˜ ÎÏ¿‰Ô˘˜, ÙˆÓ 32 ¯ˆÚÒÓ ÌÂÏÒÓ Ù˘ Insurance
Europe (Û‡Ìʈӷ Ì ٷ ÛÙÔȯ›· ÙÔ˘ 2013), ›¯Â ˆ˜ ÂÍ‹˜:
ñ ∫Ï¿‰Ô˜ ∞˘ÙÔÎÈÓ‹ÙˆÓ 29%
ñ ∞ÛÊ¿ÏÈÛË ∞Ù˘¯ËÌ¿ÙˆÓ Î·È ÀÁ›·˜ 33%
ñ ∞ÛÊ¿ÏÈÛË ¶ÂÚÈÔ˘Û›·˜ 20%
ñ ∫Ï¿‰Ô˜ °ÂÓÈ΋˜ ∞ÛÙÈ΋˜ ∂˘ı‡Ó˘ 7%
ñ §ÔÈÔ› ∫Ï¿‰ÔÈ ·ÛÊ·Ï›ÛÂˆÓ ∑ËÌÈÒÓ 11%
∫§∞¢√™
∞À∆√∫π¡∏∆ø¡
∞™º∞§π™∏
∞∆ÀÃ∏ª∞∆ø¡
∫∞π Y°∂π∞™
∞™º∞§π™∏
¶∂ƒπ√À™π∞™
29%
33%
20%
7%
11%
§√π¶√π ∫§∞¢√π
∞™º∞§π™∂ø¡ ∑∏ªπø¡
∫§∞¢√™ °∂¡π∫∏™
∞™∆π∫∏™ ∂À£À¡∏™
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™16
∏ ™∏ª∞™π∞ ∆∏™ π¢πø∆π∫∏™
∞™º∞§π™∏™ ™∆∏¡ ∂Àƒø¶∏
(INSURANCE EUROPE 32)
∏ ̤ÙÚËÛË Ù˘ ÔÈÎÔÓÔÌÈ΋˜ Â›‰Ú·Û˘ ÙˆÓ ·ÛÊ·ÏÈÛÙÈÎÒÓ ÂÚÁ·ÛÈÒÓ ÛÙËÓ
ÔÈÎÔÓÔÌ›· ÙˆÓ 32 ¯ˆÚÒÓ ÌÂÏÒÓ Ù˘ Insurance Europe ÌÔÚ› Ó· Á›ÓÂÈ ÌÂ
ÙË ¯Ú‹ÛË ÔÈÎÔÓÔÌÈÎÒÓ ‰ÂÈÎÙÒÓ, ÔÈ ÔÔ›ÔÈ ‰È·ÌÔÚÊÒıËÎ·Ó fiˆ˜ Ê·›ÓÂ-
Ù·È ·Ú·Î¿Ùˆ ÁÈ· ÙÔ 2013.
2013 2012
¶·Ú·ÁˆÁ‹ ·ÛÊ·Ï›ÛÙÚˆÓ ÚÔ˜ ∞.∂.¶. 7,7% 7,6%
∂ÂÓ‰‡ÛÂȘ ÚÔ˜ ∞.∂.¶. 58,6% 57,9%
∫·Ù¿ ÎÂÊ·Ï‹ ·ÛÊ¿ÏÈÛÙÚ· 1.883ú 1.845ú
∑ˆ‹˜ 1.124ú 1.094ú
ηٿ ∑ËÌÈÒÓ 759ú 75ú
∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏
∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏

17. ∂§§∏¡π∫∏ ∫∞π ∂Àƒø¶∞´∫∏ ∞™º∞§π™∆π∫∏ ∞°√ƒ∞ 2013
∂§§∞¢∞ ™Àªª∂∆√Ã∏ INSURANCE EUROPE (32)
∞ÛÊ¿ÏÈÛÙÚ· ·fi ÚˆÙ·ÛÊ·Ï›ÛÂȘ 4.012 0,4% 1.116.883
ÂÎ ÙˆÓ ÔÔ›ˆÓ:
¶·Ú·ÁˆÁ‹ ·ÛÊ·Ï›ÛÙÚˆÓ ∑ˆ‹˜ 1.681 0,3% 666.615
¶·Ú·ÁˆÁ‹ ·ÛÊ·Ï›ÛÙÚˆÓ ∑ËÌÈÒÓ 2.331 0,5% 450.303
™‡ÓÔÏÔ ∂ÂÓ‰‡ÛÂˆÓ 11.421 0,1% 8.526.987
∞ÚÈıÌfi˜ ∂Ù·ÈÚÈÒÓ 67 1,2% 5.357
∞ÚÈıÌfi˜ ∞·Û¯ÔÏÔ˘Ì¤ÓˆÓ 7.500 0,9% 924.146
∆· ÔÛ¿ Â›Ó·È Û ÂηÙÔÌ̇ÚÈ· ú
µ∞™π∫√π ¢∂π∫∆∂™ (2013) ∂§§∞¢∞ ™Àªª∂∆√Ã∏ INSURANCE EUROPE (32)
∫·Ù¿ ÎÂÊ·Ï‹Ó ·ÛÊ¿ÏÈÛÙÚ· (ú) 367 19,5% 1.883
ÂÎ ÙˆÓ ÔÔ›ˆÓ:
∫·Ù¿ ÎÂÊ·Ï‹Ó ·ÛÊ¿ÏÈÛÙÚ· ∑ˆ‹˜ 154 13,7% 1.124
∫·Ù¿ ÎÂÊ·Ï‹Ó ·ÛÊ·Ï›ÛÙÚˆÓ Î·Ù¿ ∑ËÌÈÒÓ 213 28,1% 759
¶·Ú·ÁˆÁ‹ ·ÛÊ·Ï›ÛÙÚˆÓ Â› ÙÔ˘ ∞.∂.¶. 2,2% 7,7%
∂ÂÓ‰‡ÛÂȘ Â› ÙÔ˘ ∞.∂.¶. 6,3% 58,6%
¶·Ú·Ù‹ÚËÛË: ∆· ÌÂÁ¤ıË Ù˘ Insurance Europe ÁÈ· ÙÔ 2013 ÚÔ¤Ú¯ÔÓÙ·È ·fi ÙËÓ ϤÔÓ ÚfiÛÊ·ÙË ¤Î‰ÔÛË “European Insurance
in figures”
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™17
∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏
∏ π¢πø∆π∫∏ ∞™º∞§π™∏ ™∆∏¡ ∂§§∞¢∞
∫∞π ™∆∏¡ ∂Àƒø¶∏

18. 2
∆∞ ª∂°∂£∏
∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™
2
∆∞ ª∂°∂£∏
∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™

19. ∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™
¶APA°ø°H
A™ºA§I™TPøN
™À¡√§π∫∏ ¶∞ƒ∞°ø°∏ ∞™º∞§π™∆ƒø¡
∏ ·Ú·ÁˆÁ‹ ÂÁÁÂÁÚ·ÌÌ¤ÓˆÓ ·ÛÊ·Ï›ÛÙÚˆÓ (Î·È ‰ÈÎ·ÈˆÌ¿ÙˆÓ Û˘Ì‚Ô-
Ï·›ˆÓ) ηٿ ÙÔ 2014 ‹Ù·Ó 4,0 ‰ÈÛ.ú, ÌÂȈ̤ӷ ηٿ 1,2%. ™Â ·ÔÏË-
ıˆÚÈṲ̂Ó˜ ÙÈ̤˜, Ë ·Ú·ÁˆÁ‹ ·Ú¤ÌÂÈÓ ۯ‰fiÓ ÛÙ·ıÂÚ‹.
∞fi ·˘Ù¿, 2,1 ‰ÈÛ.ú ÚÔ‹Ïı·Ó ·fi ÙȘ ·ÛÊ·Ï›ÛÂȘ ηٿ ∑ËÌÈÒÓ (Ì›-
ˆÛË 10,5% ¤Ó·ÓÙÈ ÙÔ˘ 2013), ÂÓÒ 1,9 ‰ÈÛ.ú ÚÔ‹Ïı·Ó ·fi ÙȘ ·ÛÊ·-
Ï›ÛÂȘ ∑ˆ‹˜ (·‡ÍËÛË 11,8%). ™Â ·ÔÏËıˆÚÈṲ̂Ó˜ ÙÈ̤˜ ÔÈ ÌÂÙ·‚Ô-
Ϥ˜ ‹Ù·Ó -9,4% ÁÈ· ÙȘ ·ÛÊ·Ï›ÛÂȘ ηٿ ∑ËÌÈÒÓ Î·È +13,3% ÁÈ· ÙȘ
·ÛÊ·Ï›ÛÂȘ ∑ˆ‹˜.
¶∞ƒ∞°ø°∏ ∞™º∞§π™∆ƒø¡
∞¡∞ ∫§∞¢√ ∞™º∞§π™∏™
™ÙȘ ·ÛÊ·Ï›ÛÂȘ ηٿ ∑ËÌÈÒÓ, ÔÈ ÛËÌ·ÓÙÈÎfiÙÂÚÔÈ Û fiÁÎÔ ·ÛÊ·Ï›ÛÙÚˆÓ
ÎÏ¿‰ÔÈ Â›Ó·È ·˘ÙÔ› Ô˘ ¤¯Ô˘Ó Û¯¤ÛË Ì ÙËÓ ·ÛÊ¿ÏÈÛË ·˘ÙÔÎÈÓ‹ÙÔ˘ ηÈ
ÂÚÈÔ˘Û›·˜. √È ‰‡Ô ÎÏ¿‰ÔÈ Û¯ÂÙÈο Ì ÙËÓ ·ÛÊ¿ÏÈÛË ·˘ÙÔÎÈÓ‹ÙÔ˘ (·ÛÙÈ-
΋ ¢ı‡ÓË ¯ÂÚÛ·›ˆÓ Ô¯ËÌ¿ÙˆÓ Î·È Î¿Ï˘„Ë ¯ÂÚÛ·›ˆÓ Ô¯ËÌ¿ÙˆÓ) Û˘-
ÁÎÂÓÙÚÒÓÔ˘Ó 1,2 ‰ÈÛ.ú (ÌÂȈ̤ÓÔÈ Î·Ù¿ 14,1% Û ۯ¤ÛË Ì ÙÔ 2013).
√È ÙÚÂȘ ÎÏ¿‰ÔÈ Û¯ÂÙÈο Ì ÙËÓ ·ÛÊ¿ÏÈÛË ÂÚÈÔ˘Û›·˜ (˘Úη˚¿ ηÈ
ÛÙÔȯ›· Ù˘ ʇÛ˘, ÏÔÈ¤˜ ˙Ë̛˜ ·Á·ıÒÓ Î·È ‰È¿ÊÔÚ˜ ¯ÚËÌ·ÙÈΤ˜
·ÒÏÂȘ) Û˘ÁÎÂÓÙÚÒÓÔ˘Ó 503 ÂηÙ.ú, ÌÂȈ̤ÓÔÈ Î·Ù¿ 8,4% Û ۯ¤-
ÛË ÌÂ ÙÔ 2013.
™ÙȘ ·ÛÊ·Ï›ÛÂȘ ∑ˆ‹˜, Ô ÎÏ¿‰Ô˜ ˙ˆ‹˜ (·ÙÔÌÈο Î·È ÔÌ·‰Èο ·ÛÊ·ÏÈÛÙ‹-
ÚÈ· Û˘Ì‚fiÏ·È· ˙ˆ‹˜ Î·È Û˘ÌÏËڈ̷ÙÈΤ˜ ηχ„ÂȘ ˘Á›·˜) Û˘ÁÎÂÓÙÚÒ-
ÓÂÈ ÙÔ ÌÂÁ·Ï‡ÙÂÚÔ fiÁÎÔ ÙˆÓ ·ÛÊ·Ï›ÛÙÚˆÓ (1,2 ‰ÈÛ.ú) Î·È Â›Ó·È ·˘ÍË-
̤ÓÔ˜ ηٿ 1,4%. ∞ÎÔÏÔ˘ıÂ›Ù·È ·fi ÙÔÓ ÎÏ¿‰Ô ·ÛÊ·Ï›ÛÂˆÓ ˙ˆ‹˜ Û˘Ó-
‰Â‰ÂÌ¤ÓˆÓ Ì ÂÂÓ‰‡ÛÂȘ (398 ÂηÙ.ú) Ô ÔÔ›Ô˜ ·˘Í‹ıËΠηٿ 61,0%.
ªÂȈ̤ÓË Î·Ù¿ 1,2% ηٷÁÚ¿ÊÂÙ·È
ÙÔ 2014 Ë ·Ú·ÁˆÁ‹ ·ÛÊ·Ï›ÛÙÚˆÓ
·fi ÚˆÙ·ÛÊ·ÏÈÛÙÈΤ˜ ÂÚÁ·Û›Â˜.
ª∂∆∞µ√§∏ ™À¡√§π∫∏™ ¶∞ƒ∞°ø°∏™
∞™º∞§π™∆ƒø¡
∂∆∏™π∞ √¡√ª∞™∆π∫∏ ª∂∆∞µ√§∏
∂∆∏™π∞ ∞¶√¶§∏£øƒπ™ª∂¡∏ ª∂∆∞µ√§∏
∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™19

20. ∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™20
A¶OZHMIø™EI™
™À¡√§π∫∂™ ∞¶√∑∏ªπø™∂π™
√È ·Ô˙ËÌÈÒÛÂȘ ¤ÊÙ·Û·Ó Ù· 2,4 ‰ÈÛ.ú ÙÔ 2014 ÌÂȈ̤Ó˜ ηٿ 10,7%
¤Ó·ÓÙÈ Ù˘ ÚÔËÁÔ‡ÌÂÓ˘ ¯ÚÔÓÈ¿˜. ∞fi ·˘Ù¤˜, 1,5 ‰ÈÛ.ú (Ì›ˆÛË 13,4%)
·ÔÙ¤ÏÂÛ·Ó ·Ô˙ËÌÈÒÛÂȘ Î·È ·ÚÔ¯¤˜ ÙˆÓ ·ÛÊ·Ï›ÛÂˆÓ ∑ˆ‹˜ Î·È 850
ÂηÙ.ú (Ì›ˆÛË 5,4%) ÔÈ ·ÓÙ›ÛÙÔȯ˜ ÙˆÓ ·ÛÊ·Ï›ÛÂˆÓ Î·Ù¿ ∑ËÌÈÒÓ.
∞fi ÙȘ ·Ô˙ËÌÈÒÛÂȘ ÙˆÓ ·ÛÊ·Ï›ÛÂˆÓ Î·Ù¿ ∑ËÌÈÒÓ, 567 ÂηÙ.ú η-
Ù¢ı‡ÓıËÎ·Ó ÛÙÔÓ ÎÏ¿‰Ô ·ÛÊ¿ÏÈÛ˘ ·ÛÙÈ΋˜ ¢ı‡Ó˘ ¯ÂÚÛ·›ˆÓ Ô¯Ë-
Ì¿ÙˆÓ, ÌÂȈ̤Ó˜ ηٿ 5,8% Û ۯ¤ÛË Ì ÙÔ 2013.
™ÙÔ˘˜ ˘fiÏÔÈÔ˘˜ ÎÏ¿‰Ô˘˜ ·ÛÊ¿ÏÈÛ˘ ηٿ ∑ËÌÈÒÓ, ÔÈ ·ÛÊ·ÏÈÛÙÈΤ˜
ÂȯÂÈÚ‹ÛÂȘ η٤‚·Ï·Ó ·Ô˙ËÌÈÒÛÂȘ ‡„Ô˘˜ 284 ÂηÙ.ú, ÌÂȈ̤Ó˜
ηٿ 4,8%.
™‡Ìʈӷ Ì ÙËÓ ¤Ú¢ӷ Ù˘ ∆Ú¿Â˙·˜ Ù˘ ∂ÏÏ¿‰Ô˜ Û¯ÂÙÈο Ì ÙȘ ÏË-
Úˆı›Û˜ ·Ô˙ËÌÈÒÛÂȘ, ·fi ÙȘ ·Ô˙ËÌÈÒÛÂȘ ÙˆÓ ·ÛÊ·Ï›ÛÂˆÓ Î·Ù¿
∑ËÌÈÒÓ, ÙÔ 77,2% ηÙ¢ı‡ÓıËΠÛÙȘ ·ÛÊ·Ï›ÛÂȘ ·˘ÙÔÎÈÓ‹ÙˆÓ (ÎÏ¿-
‰ÔÈ ·ÛÊ¿ÏÈÛ˘ ¯ÂÚÛ·›ˆÓ Ô¯ËÌ¿ÙˆÓ Î·È ·ÛÙÈ΋˜ ¢ı‡Ó˘ ¯ÂÚÛ·›ˆÓ
Ô¯ËÌ¿ÙˆÓ). ™ÙÔ˘˜ ÎÏ¿‰Ô˘˜ ÂÚÈÔ˘Û›·˜ (ÎÏ¿‰ÔÈ ·ÛÊ¿ÏÈÛ˘ ˘Úfi˜ ηÈ
ÛÙÔȯ›ˆÓ Ù˘ ʇÛˆ˜, ÏÔÈÒÓ ˙ËÌÈÒÓ ·Á·ıÒÓ Î·È ‰È·ÊfiÚˆÓ ¯ÚË-
Ì·ÙÈÎÒÓ ·ˆÏÂÈÒÓ) ηÙ¢ı‡ÓıËΠÙÔ 14,2% ÙˆÓ ·Ô˙ËÌÈÒÛÂˆÓ Î·È
ÙÔ ˘fiÏÔÈÔ 8,6% ÙˆÓ ·Ô˙ËÌÈÒÛÂˆÓ Î·Ù¢ı‡ÓıËΠÚÔ˜ ÏÔÈ¤˜
·ÛÊ·Ï›ÛÂȘ ηٿ ∑ËÌÈÒÓ.
√È ÏËÚˆı›Û˜ ·Ô˙ËÌÈÒÛÂȘ ÙÔ 2014
¤ÊÙ·Û·Ó Û˘ÓÔÏÈο Ù· 2,4 ‰ÈÛ.ú,
ÌÂȈ̤Ó˜ ηٿ 10,7%.
√È ·Ô˙ËÌÈÒÛÂȘ ÙˆÓ ·ÛÊ·Ï›ÛÂˆÓ ∑ˆ‹˜
·Ó‹Ïı·Ó ÛÙÔ1,5 ‰ÈÛ.ú, ÂÓÒ
ÔÈ ·Ô˙ËÌÈÒÛÂȘ ÙˆÓ ·ÛʷϛۈÓ
ηٿ ∑ËÌÈÒÓ ·Ó‹Ïı·Ó ÛÙ· 850 ÂηÙ.ú.
ETH™IA ¶O™O™TIAIA METABO§H
A¶OZHMIø™EøN
∫∞∆∞¡√ª∏ ∞¶√∑∏ªπø™∂ø¡
∞™º∞§π™∂ø¡ ∫∞∆∞ ∑∏ªπø¡ 2014
14,2%
77,2%
8,6%
¶∂ƒπ√À™π∞∞À∆√∫π¡∏∆∞
∞§§√π
∫§∞¢√π
∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™
∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™

21. ∆Ô 2014, Ô ‰Â›ÎÙ˘ ˙ËÌÈÒÓ ÁÓÒÚÈÛÂ
ÌÈÎÚ‹ Ì›ˆÛË Ë ÔÔ›· Û˘Ó‰˘¿ÛÙËÎÂ
Ì ÙËÓ Â·Ó·ÊÔÚ¿ ÙÔ˘ ÔÛÔÛÙÔ‡
ȉ›·˜ ÎÚ¿ÙËÛ˘ Â› ÙˆÓ ·ÛÊ·Ï›ÛÙÚˆÓ
ÛÙ· ÚfiÙÂÚ· Â›‰·
¶√™√™∆√ π¢π∞™ ∫ƒ∞∆∏™∏™
π¢π∞ ∫ƒ∞∆∏™∏ ª∂™∏ π¢π∞ ∫ƒ∞∆∏™∏
¶√™√™∆√ π¢π∞™ ∫ƒ∞∆∏™∏™
∆Ô ÔÛÔÛÙfi Ù˘ π‰›· ÎÚ¿ÙËÛ˘ Â› ÙˆÓ ·ÛÊ·Ï›ÛÙÚˆÓ ÚÔ·ÙÂÈ ·fi ÙË
‰È·›ÚÂÛË ÙˆÓ ·ÛÊ·Ï›ÛÙÚˆÓ ·fi ÚˆÙ·ÛÊ·ÏÈÛÙÈΤ˜ ÂÚÁ·Û›Â˜ ·Ê·È-
ÚÔ˘Ì¤ÓˆÓ ÙˆÓ ·ÓÙ·ÛÊ·ÏÈÛÙÈÎÒÓ ÂίˆÚ‹ÛÂˆÓ ÚÔ˜ ÙÔ Û‡ÓÔÏÔ Ù˘ ·-
Ú·ÁˆÁ‹˜ ·ÛÊ·Ï›ÛÙÚˆÓ. ∏ ÙÈÌ‹ ÙÔ˘ ‰Â›ÎÙË ·ÚÔ˘Û›·˙ ̛· ÛÙ·ıÂÚfiÙË-
Ù· Á‡Úˆ ·fi ÙÔ 85%-87% ÂÓÒ ÂÍ·›ÚÂÛË ·ÔÙ¤ÏÂÛ ÙÔ 2013 Ô˘
ÌÂÈÒıËÎÂ ÛÙÔ 77%.
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™26 ∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™21
∏ ∞°OPA ME™A
A¶O ¢EIKTE™
™À°∫∂¡∆ƒø™∏ ∆∏™ ¶∞ƒ∞°ø°∏™
∞™º∞§π™∆ƒø¡
∞fi ÙËÓ ÂͤٷÛË Ù˘ ·Ú·ÁˆÁ‹˜ ·ÛÊ·Ï›ÛÙÚˆÓ ·fi ÚˆÙ·ÛÊ·ÏÈÛÙÈΤ˜
ÂÚÁ·Û›Â˜ ÙˆÓ ·ÛÊ·ÏÈÛÙÈÎÒÓ ÂȯÂÈÚ‹ÛÂˆÓ Ô˘ ‰Ú·ÛÙËÚÈÔÔÈ‹ıËηÓ
ÛÙËÓ ∂ÏÏ¿‰· ÙÔ 2014 ηıÒ˜ Î·È ÙˆÓ ÌÂÚȉ›ˆÓ ·ÁÔÚ¿˜ Ô˘ ηχÙÔ˘Ó
ÚÔ·ÙÔ˘Ó Ù· ÂÍ‹˜:
·) ™ÙȘ ·ÛÊ·Ï›ÛÂȘ ∑ˆ‹˜, ÔÈ 5 ÚÒÙ˜ ÂȯÂÈÚ‹ÛÂȘ Û ·Ú·ÁˆÁ‹ ·ÛÊ·-
Ï›ÛÙÚˆÓ Î·Ù¤¯Ô˘Ó ÙÔ 76,7% ÙÔ 2014 ¤Ó·ÓÙÈ 73,6% ÙÔ 2013.
ªÂÚ›‰ÈÔ ·ÁÔÚ¿˜ ÌÂÁ·Ï‡ÙÂÚÔ ÙÔ˘ 10% ÂÌÊ·Ó›˙Ô˘Ó ÙÔ 2014 Ù¤ÛÛÂÚÂȘ
·ÛÊ·ÏÈÛÙÈΤ˜ ÂȯÂÈÚ‹ÛÂȘ ÂÓÒ ÂÙ¿ ‰È·ı¤ÙÔ˘Ó ÌÂÚ›‰ÈÔ ÌÂÁ·Ï‡ÙÂÚÔ ·fi
2% ˆ˜ 10%. ∏ Û˘ÁΤÓÙÚˆÛË Ù˘ ·Ú·ÁˆÁ‹˜ ·ÛÊ·Ï›ÛÙÚˆÓ ∑ˆ‹˜ Ù˘
·ÁÔÚ¿˜ ·˘Í‹ıËΠÙÔ 2014 ÁÈ· ÙȘ ÚÒÙ˜ ‰¤Î· ÂȯÂÈÚ‹ÛÂȘ ÙÔ˘ ÎÏ¿-
‰Ô˘.
‚) ™ÙȘ ∞ÛÊ·Ï›ÛÂȘ ηٿ ∑ËÌÈÒÓ, ÔÈ 5 ÚÒÙ˜ ·ÛÊ·ÏÈÛÙÈΤ˜ ÂȯÂÈÚ‹ÛÂȘ
Û ·Ú·ÁˆÁ‹ ‰È·ı¤ÙÔ˘Ó ÙÔ 38,8% Ù˘ ·ÁÔÚ¿˜ ¤Ó·ÓÙÈ 37,6% ÙÔ 2013.
∏ ·ÁÔÚ¿ ÂÌÊ¿ÓÈÛ ÙÔ 2014 ÂÏ·ÊÚ¿ ÌÂÁ·Ï‡ÙÂÚË Û˘ÁΤÓÙÚˆÛË ˆ˜ ÚÔ˜
ÙË Û˘ÁΤÓÙÚˆÛ‹ Ù˘ ·Ú·ÁˆÁ‹˜.
ªÂÚ›‰ÈÔ ·ÁÔÚ¿˜ ÌÂÁ·Ï‡ÙÂÚÔ ÙÔ˘ 10% ÛÙȘ ∞ÛÊ·Ï›ÛÂȘ ηٿ ∑ËÌÈÒÓ
ÂÌÊ·Ó›˙ÂÈ ÌfiÓÔ Ì›· ·ÛÊ·ÏÈÛÙÈ΋ Âȯ›ÚËÛË ÂÓÒ 15 ÂÌÊ·Ó›˙Ô˘Ó ÌÂÚ›-
‰ÈÔ ÌÂÁ·Ï‡ÙÂÚÔ ÙÔ˘ 2% ¤ˆ˜ 10%.
∞™º∞§π™∂π™ ∞™º∞§π™∂π™
∑ø∏™ ∫∞∆∞ ∑∏ªπø¡
™˘ÁΤÓÙÚˆÛË ·Ú·ÁˆÁ‹˜ 2014 2013 2014 2013
¶ÚÒÙ˜ 5 76,7% 73,6% 38,8% 37,6%
¶ÚÒÙ˜ 10 92,9% 91,5% 64,5% 63,6%
¶ÚÒÙ˜ 15 99,3% 99,1% 82,1% 80,4%
∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™
∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™

22. ∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™22
¶√™√™∆√
∞¡∆∞™º∞§π™∆ƒø¡
√ ‰Â›ÎÙ˘ ÚÔ·ÙÂÈ ·fi ÙË ‰È·›ÚÂÛË Ù˘ ·ÓÙ·ÛÊ·ÏÈÛÙÈ΋˜ ·Ú·ÁˆÁ‹˜
·ÛÊ·Ï›ÛÙÚˆÓ (·Ó·Ï‹„ÂȘ) ÚÔ˜ ÙÔ Û‡ÓÔÏÔ Ù˘ ·Ú·ÁˆÁ‹˜ ·ÛÊ·Ï›-
ÛÙÚˆÓ. ∂ÓÒ Ë ÙÈÌ‹ ÙÔ˘ ‰Â›ÎÙË ÁÈ· ÙÔ Û‡ÓÔÏÔ Ù˘ ·ÁÔÚ¿˜ ·ÚÔ˘Û›·˙Â
·ÓÔ‰È΋ Ù¿ÛË ·fi ÙÔ 2010 Î·È ÂÊÂÍ‹˜, ÙÔ 2014 ÌÂÈÒıËΠÛÙÔ 2,01%.
¶√™√™∆√ ∞¡∆∞™º∞§π™∆ƒø¡
¶√™√™∆√
∞¡∆∞™º∞§π™∆ƒø¡
ª∂™√ ¶√™√™∆√
∞¡∆∞™º∞§π™∆ƒø¡
¢∂π∫∆∏™ ∑∏ªπø¡
(LOSS RATIO)
√ ‰Â›ÎÙ˘ ˙ËÌÈÒÓ Î·Ù·ÁÚ¿ÊÂÈ ÙËÓ ÔÛÔÛÙÈ·›· ·Ó·ÏÔÁ›· ÙˆÓ ·Ô˙Ë-
ÌÈÒÛÂˆÓ Ô˘ ‚·Ú‡ÓÔ˘Ó Ì›· ÔÈÎÔÓÔÌÈ΋ ¯Ú‹ÛË Â› Ù˘ ‰Â‰Ô˘ÏÂ˘Ì¤Ó˘
·Ú·ÁˆÁ‹˜ ·ÛÊ·Ï›ÛÙÚˆÓ (Î·È ‰ÈÎ·ÈˆÌ¿ÙˆÓ Û˘Ì‚ÔÏ·›ˆÓ) Ô˘ ·Ó·ÏÔ-
ÁÔ‡Ó ÛÙËÓ È‰›· ¯Ú‹ÛË Î·È ˘ÔÏÔÁ›˙ÂÙ·È ÌfiÓÔ ÁÈ· ÙȘ ·ÛÊ·Ï›ÛÂȘ ηٿ
˙ËÌÈÒÓ.
∞ӷʤÚÂÙ·È ÂÔ̤ӈ˜ ·ÔÎÏÂÈÛÙÈο ÛÙȘ ·ÛÊ·ÏÈÛÙÈΤ˜ ÂÚÁ·Û›Â˜, ¯ˆÚ›˜
Ó· Û˘Ó˘ÔÏÔÁ›˙ÂÈ ¿ÏÏ· ¤ÍÔ‰· (ÚfiÛÎÙËÛ˘ ÂÚÁ·ÛÈÒÓ, ‰È·¯Â›ÚÈÛ˘) ‹
¤ÛÔ‰· (·fi ÂÂÓ‰‡ÛÂȘ). ∆Ô 2014, ˘‹ÚÍ Ӥ· Ì›ˆÛË ÙÔ˘ ‰Â›ÎÙË ÛÙÔ
34,6%.
∆Ë ÌÂÁ¿ÏË ‚·Ú‡ÙËÙ· ÏfiÁˆ ÌÂÁ¿ÏÔ˘ fiÁÎÔ˘ ÂÚÁ·ÛÈÒÓ ÛÙÔ ‰Â›ÎÙË ˙ËÌÈÒÓ
ʤÚÂÈ Ë ·ÛÊ¿ÏÈÛË Ù˘ ·ÛÙÈ΋˜ ¢ı‡Ó˘ Ô¯ËÌ¿ÙˆÓ. ∏ ÔÚ›· ÙÔ˘ Û˘-
ÁÎÂÎÚÈ̤ÓÔ˘ ‰Â›ÎÙË Â›Ó·È ÙˆÙÈ΋ Ù· ÙÂÏÂ˘Ù·›· ¤ÍÈ ¯ÚfiÓÈ·.
¢∂π∫∆∏™ ∑∏ªπø¡ ∞™º∞§π™∂ø¡
∫∞∆∞ ∑∏ªπø¡
¢∂π∫∆∏™ Z∏ªπøN ª∂™√™ ¢∂π∫∆∏™ Z∏ªπøN
¢∂π∫∆∏™ ∑∏ªπø¡ ∞™∆π∫∏™ ∂À£À¡∏™
Ã∂ƒ™∞πø¡ √Ã∏ª∞∆ø¡
¢∂π∫∆∏™ Z∏ªπøN ª∂™√™ ¢∂π∫∆∏™ Z∏ªπøN
∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™
∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™

23. ∆A √IKONOMIKA ªE°E£H
∫∂º∞§∞π∞-∂¶∂¡¢À™∂π™
∞™º∞§π™∆π∫∂™ ¶ƒ√µ§∂æ∂π™
∆Ô Û‡ÓÔÏÔ ÙÔ˘ ∂ÓÂÚÁËÙÈÎÔ‡ ÙˆÓ ·ÛÊ·ÏÈÛÙÈÎÒÓ ÂȯÂÈÚ‹ÛÂˆÓ ·Ú¤ÌÂÈ-
Ó ÛÙ· 15,3 ‰ÈÛ. ú ÙÔ 2014 ηٷÁÚ¿ÊÔÓÙ·˜ ÌÈÎÚ‹ Ì›ˆÛË Ù˘ ٿ͈˜ ÙÔ˘
0,3%.
∆Ô Û‡ÓÔÏÔ ÙˆÓ π‰›ˆÓ ÎÂÊ·Ï·›ˆÓ ÙˆÓ ·ÛÊ·ÏÈÛÙÈÎÒÓ ÂȯÂÈÚ‹ÛÂˆÓ ¤Êı·-
Û ٷ 2,3 ‰ÈÛ. ú ÙÔ 2014, ηٷÁÚ¿ÊÔÓÙ·˜ ·‡ÍËÛË Î·Ù¿ 6,4% ¤Ó·ÓÙÈ ÙÔ˘
2013.
∆Ô Û‡ÓÔÏÔ ÙˆÓ ÂÂӉ‰˘Ì¤ÓˆÓ ÎÂÊ·Ï·›ˆÓ ÙˆÓ ·ÛÊ·ÏÈÛÙÈÎÒÓ ÂȯÂÈ-
Ú‹ÛÂˆÓ ¤Êı·Û ÙÔ 2014, Û‡Ìʈӷ Ì ٷ ÛÙÔȯ›· ÙˆÓ ¯ÚËÌ·ÙÔÔÈÎÔÓÔ-
ÌÈÎÒÓ Î·Ù·ÛÙ¿ÛÂÒÓ ÙÔ˘˜, Ù· 12,0 ‰ÈÛ.ú ¤Ó·ÓÙÈ 11,4 ‰ÈÛ.ú ÙÔ 2013, η-
Ù·ÁÚ¿ÊÔÓÙ·˜ ·‡ÍËÛË Î·Ù¿ 5,3%. ∆Ô Û‡ÓÔÏÔ ÙˆÓ ÂÂӉ‰˘Ì¤ÓˆÓ ÎÂ-
Ê·Ï·›ˆÓ ÚÔ¤Ú¯ÂÙ·È ·fi ÙȘ ηÙËÁÔڛ˜ ÙÔ˘ ∂ÓÂÚÁËÙÈÎÔ‡ ÙˆÓ ·ÛÊ·ÏÈ-
ÛÙÈÎÒÓ ÂȯÂÈÚ‹ÛˆÓ: «°. ∂ÂÓ‰‡ÛÂȘ» (‡„Ô˘˜ 9,8 ‰ÈÛ.ú ÙÔ 2014) ηÈ
«¢. ∂ÂÓ‰‡ÛÂȘ ÁÈ· ÏÔÁ·ÚÈ·ÛÌfi ·ÛÊ·ÏÈÛÌ¤ÓˆÓ ˙ˆ‹˜ Ô˘ ʤÚÔ˘Ó ÙÔÓ
ÂÂÓ‰˘ÙÈÎfi ΛӉ˘ÓÔ» (‡„Ô˘˜ 2,2 ‰ÈÛ.ú ÙÔ 2014).
∞fi ÙËÓ ·Ó¿Ï˘ÛË Ù˘ ηÙËÁÔÚ›·˜ «°. ∂ÂÓ‰‡ÛÂȘ» ÙÔ˘ ∂ÓÂÚÁËÙÈÎÔ‡, ÚÔ-
·ÙÂÈ fiÙÈ Ë ÛËÌ·ÓÙÈÎfiÙÂÚË ÔÌ¿‰· ÙˆÓ ÂÂӉ‰˘Ì¤ÓˆÓ ÎÂÊ·Ï·›ˆÓ ›-
Ó·È ÔÈ «√ÌÔÏÔÁ›Â˜ Î.Ï. Ù›ÙÏÔÈ ÛÙ·ıÂÚ‹˜ ·fi‰ÔÛ˘» (Ô˘ ÂÚÈÏ·Ì‚¿-
ÓÔ˘Ó √ÌfiÏÔÁ· Î·È ŒÓÙÔη °Ú·ÌÌ¿ÙÈ· ÙÔ˘ ∂ÏÏËÓÈÎÔ‡ ¢ËÌÔÛ›Ô˘, √ÌÔÏÔÁ›Â˜
Î.Ï. Ù›ÙÏÔ˘˜ ÛÙ·ıÂÚÔ‡ ÂÈÛÔ‰‹Ì·ÙÔ˜) Ô˘ Êı¿ÓÔ˘Ó Ù· 6,6 ‰ÈÛ.ú ÙÔ 2014
(·‡ÍËÛË 16,2% ·fi ÙËÓ ÚÔËÁÔ‡ÌÂÓË ¯ÚÔÓÈ¿). √È ÂÂÓ‰‡ÛÂȘ Û «ªÂÙÔ¯¤˜
Î·È ÌÂÚ›‰È· ·ÌÔÈ‚·›ˆÓ ÎÂÊ·Ï·›ˆÓ» (Ù›ÙÏÔÈ ÌÂÙ·‚ÏËÙ‹˜ ·fi‰ÔÛ˘) ·Ô-
ÙÂÏÔ‡Ó ÙË ‰Â‡ÙÂÚË ÌÂÁ·Ï‡ÙÂÚË ÔÌ¿‰· ÙˆÓ ÂÂӉ‰˘Ì¤ÓˆÓ ÎÂÊ·Ï·›ˆÓ
ÎÈ ¤Êı·Û·Ó Ù· 1,4 ‰ÈÛ.ú ·ÚÔ˘ÛÈ¿˙ÔÓÙ·˜ ·‡ÍËÛË Î·Ù¿ 14,1% ·fi ÙÔ
2013. √È ÂÂÓ‰‡ÛÂȘ Û «∞ΛÓËÙ·» ¤Êı·Û·Ó Û ‡„Ô˜ Ù· 638 ÂηÙ.ú ÙÔ
2014 (ÌÂȈ̤Ó˜ ηٿ 2,6% ·fi ÙËÓ ÚÔËÁÔ‡ÌÂÓË ¯ÚÔÓÈ¿).
∆Ô 2014 ÔÈ ·ÛÊ·ÏÈÛÙÈΤ˜ ÂȯÂÈÚ‹ÛÂȘ
η٤ÁÚ·„·Ó ·‡ÍËÛË ÙˆÓ È‰›ˆÓ ÎÂÊ·Ï·›ˆÓ
(+6,4%), ÙˆÓ ÂÂÓ‰‡ÛÂˆÓ (+5,3%) ηÈ
ÙˆÓ ·ÛÊ·ÏÈÛÙÈÎÒÓ ÚԂϤ„ÂˆÓ (+2,3%).
ŸÌˆ˜, Ë ÎÂÚ‰ÔÊÔÚ›· (ÌÂÙ¿ ÊfiÚˆÓ)
ÌÂÈÒıËΠηٿ 40%
Û ۯ¤ÛË Ì ÙÔ 2013.
∂¡∂ƒ°∏∆π∫√ (Û ‰ÈÛ.ú)
∂¡∂ƒ°∏∆π∫√ ∞À•∏™∏
π¢π∞ ∫∂º∞§∞π∞ (Û ‰ÈÛ.ú)
π¢π∞ ∫∂º∞§∞π∞ ∞À•∏™∏
∂¶∂¡¢À™∂π™ (Û ‰ÈÛ.ú)
∂¶∂¡¢À™∂π™ ∞À•∏™∏
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™23
∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™
∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™

24. ∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™24
∆Ô 2014 ÔÈ ·ÛÊ·ÏÈÛÙÈΤ˜ ÂȯÂÈÚ‹ÛÂȘ ›¯·Ó ÂÂÓ‰‡ÛÂÈ ÙÔ 67,5% ÙˆÓ
ÎÂÊ·Ï·›ˆÓ Ù˘ ηÙËÁÔÚ›·˜ «°. ∂ÂÓ‰‡ÛÂȘ» ÛÙËÓ ÔÌ¿‰· «√ÌÔÏÔÁ›Â˜»,
ÙÔ 14,4% ÛÙËÓ ÔÌ¿‰· «ªÂÙÔ¯¤˜ Î·È ªÂÚ›‰È· ∞ÌÔÈ‚·›ˆÓ ∫ÂÊ·Ï·›ˆÓ»,
ÙÔ 2,2% Û «™˘ÌÌÂÙÔ¯¤˜ ÛÂ Û˘Ó‰Â‰Â̤Ó˜ ÂȯÂÈÚ‹ÛÂȘ» Î·È ÙÔ 6,5%
Û «∞ΛÓËÙ·».
∆Ô Û‡ÓÔÏÔ ÙˆÓ ·ÛÊ·ÏÈÛÙÈÎÒÓ ÚԂϤ„ÂˆÓ ¤Êı·Û ٷ 11,8 ‰ÈÛ.ú ÙÔ
2014, ·˘ÍË̤Ó˜ ηٿ 2,3% ¤Ó·ÓÙÈ ÙÔ˘ 2013. √È ÚԂϤ„ÂȘ ÙˆÓ ·ÛÊ·-
Ï›ÛÂˆÓ ∑ˆ‹˜ ¤Êı·Û·Ó ÙÔ 2014 Ù· 6,2 ‰ÈÛ.ú, ·ÚÔ˘ÛÈ¿˙ÔÓÙ·˜ ·‡ÍË-
ÛË 1,6% ¤Ó·ÓÙÈ ÙÔ˘ 2013. √È ÚԂϤ„ÂȘ ÁÈ· ÙÔ˘˜ ·ÛÊ·ÏÈṲ̂ÓÔ˘˜ ∑ˆ‹˜
Ô˘ ʤÚÔ˘Ó ÙÔÓ ÂÂÓ‰˘ÙÈÎfi ΛӉ˘ÓÔ ¤Êı·Û·Ó ÙÔ 2014 Ù· 2,2 ‰ÈÛ.ú,
·ÚÔ˘ÛÈ¿˙ÔÓÙ·˜ ·‡ÍËÛË Î·Ù¿ 11,5% ¤Ó·ÓÙÈ ÙÔ˘ 2013. √È ÚԂϤ„ÂȘ
ÙˆÓ ·ÛÊ·Ï›ÛÂˆÓ Î·Ù¿ ∑ËÌÈÒÓ ¤Êı·Û·Ó ÙÔ 2014 Ù· 3,3 ‰ÈÛ.ú, ·-
ÚÔ˘ÛÈ¿˙ÔÓÙ·˜ Ì›ˆÛË Î·Ù¿ 1,9% ¤Ó·ÓÙÈ ÙÔ˘ 2013.
√ª√§√°π∂™ ∫§¶ ∆π∆§√π ™∆∞£∂ƒ∏™ ∞¶√¢√™∏™
§√π¶∂™ ∂¶∂¡¢À™∂π™
AKINHTA
™Àªª∂∆√Ã∂™ ™∂ ™À¡¢∂¢∂ª∂¡∂™ ∂¶πÃ∂πƒ∏™∂π™
ª∂∆√Ã∂™, ª∂ƒπ¢π∞ ∫§¶
∆π∆§√π ª∂∆∞µ§∏∆∏™ ∞¶√¢√™∏™
∫∞∆∞¡√ª∏ ∂¶∂¡¢À™∂ø¡
67,5%
6,5%
14,4%
2,2%
9,4%
∞™º∞§π™∆π∫∂™ ¶ƒ√µ§∂æ∂π™ (Û ‰ÈÛ.ú)
™YNO§O ∂∆∏™π∞ ∞À•∏™∏
∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™
∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™

25. ∂™√¢∞ ∞™º∞§π™∂ø¡
∑ø∏™
∂•√¢∞ ∞™º∞§π™∂ø¡
∑ø∏™
∂™√¢∞- ∂•√¢∞ ∞™º∞§π™∂ø¡
∞™∆IKH™ ∂À£YNH™ √Ã∏ª∞∆ø¡
(Û ÂηÙ.ú)
∂™√¢∞ ∞™º∞§π™∂ø¡
∞™∆π∫∏™ ∂À£À¡∏™
√Ã∏ª∞∆ø¡
∂•√¢∞ ∞™º∞§π™∂ø¡
∞™∆π∫∏™ ∂À£À¡∏™
√Ã∏ª∞∆ø¡
∂™√¢∞-∂•√¢∞ ∞™º∞§π™∂ø¡
§√π¶ø¡ ∫§∞¢ø¡ ∑∏ªπø¡
(Û ÂηÙ.ú)
∂™√¢∞ ∞™º∞§π™∂ø¡
§√π¶ø¡ ∫§∞¢ø¡
∑∏ªπø¡
∂•√¢∞ ∞™º∞§π™∂ø¡
§√π¶ø¡ ∫§∞¢ø¡
∑∏ªπø¡
∆∂áπ∫∞ ∞¶√∆∂§∂™ª∞∆∞
°È· ÙËÓ ÚÔÛ¤ÁÁÈÛË Ù˘ ÂÎÌÂÙ·Ïχۈ˜ ÙˆÓ ÎÏ¿‰ˆÓ ÙˆÓ ·ÛÊ·ÏÈÛÙÈ-
ÎÒÓ ÂȯÂÈÚ‹ÛÂˆÓ ¤ÙÔ˘˜ 2014, ¯ÚËÛÈÌÔÔÈÂ›Ù·È Ë Î·Ù¿Ù·ÍË ÙÔ˘ ÎÏ·‰È-
ÎÔ‡ ÏÔÁÈÛÙÈÎÔ‡ ۯ‰›Ô˘, fiˆ˜ ·ÚÔ˘ÛÈ¿˙ÂÙ·È ÛÙȘ ÔÈÎÔÓÔÌÈΤ˜ ηٷÛÙ¿-
ÛÂȘ ÙˆÓ ·ÛÊ·ÏÈÛÙÈÎÒÓ ÂȯÂÈÚ‹ÛˆÓ, ÔÌ·‰ÔÔÈÒÓÙ·˜ ÙȘ ÂÎÌÂÙ·Ï-
χÛÂȘ Û ÙÚÂȘ ÌÂÁ¿Ï˜ ηÙËÁÔڛ˜:
ñ ∞ÛÊ·Ï›ÛÂȘ ∑ˆ‹˜
ñ ∞ÛÊ¿ÏÈÛË ∞ÛÙÈ΋˜ ¢ı‡Ó˘ Ô¯ËÌ¿ÙˆÓ
ñ §ÔÈ¤˜ ·ÛÊ·Ï›ÛÂȘ ηٿ ∑ËÌÈÒÓ
™‡Ìʈӷ Ì ÙËÓ Î·Ù·ÁÚ·Ê‹ ÙˆÓ ÏÔÁ·ÚÈ·ÛÌÒÓ ÂÎÌÂÙ·Ïχۈ˜ ·ÛÊ·-
Ï›ÛÂˆÓ ∑ˆ‹˜ ¤ÙÔ˘˜ 2014, ÙÔ Û‡ÓÔÏÔ ÙˆÓ ÂÛfi‰ˆÓ ·Ó‹Ïı ÛÙ· 2,3 ‰ÈÛ.
ú ÂÓÒ ÙÔ Û‡ÓÔÏÔ ÙˆÓ ÂÍfi‰ˆÓ ÛÙ· 1,6 ‰ÈÛ.ú ·Ê‹ÓÔÓÙ·˜ ¤ÙÛÈ ¤Ó· ıÂÙÈÎfi
Ù¯ÓÈÎfi ·ÔÙ¤ÏÂÛÌ· ·ÛÊ·Ï›ÛÂˆÓ ˙ˆ‹˜ ‡„Ô˘˜ 634 ÂηÙ.ú. ∆Ô ·ÓÙ›ÛÙÔÈ-
¯Ô Ù¯ÓÈÎfi ·ÔÙ¤ÏÂÛÌ· ÙÔ˘ ¤ÙÔ˘˜ 2013 ‹Ù·Ó Â›Û˘ ıÂÙÈÎfi ÎÈ ¤Êı·ÓÂ
ÙÔ 1,1 ‰ÈÛ.ú.
™‡Ìʈӷ Ì ÙËÓ Î·Ù·ÁÚ·Ê‹ ÙˆÓ ÏÔÁ·ÚÈ·ÛÌÒÓ ÂÎÌÂÙ·Ïχۈ˜ ·ÛÙÈ-
΋˜ ¢ı‡Ó˘ Ô¯ËÌ¿ÙˆÓ ¤ÙÔ˘˜ 2014, ÙÔ Û‡ÓÔÏÔ ÙˆÓ ÂÛfi‰ˆÓ ·Ó‹Ïı ÛÙÔ
1,1 ‰ÈÛ.ú ÂÓÒ ÙÔ Û‡ÓÔÏÔ ÙˆÓ ÂÍfi‰ˆÓ ÂÚ›Ô˘ ÛÙ· 727 ÂηÙ.ú ·Ê‹ÓÔ-
ÓÙ·˜ ¤ÙÛÈ ıÂÙÈÎfi Ù¯ÓÈÎfi ·ÔÙ¤ÏÂÛÌ· ·Ûʷϛۈ˜ ·ÛÙÈ΋˜ ¢ı‡Ó˘
Ô¯ËÌ¿ÙˆÓ ‡„Ô˘˜ 364 ÂηÙ.ú. ∆Ô ·ÓÙ›ÛÙÔÈ¯Ô ·ÔÙ¤ÏÂÛÌ· ÂÎÌÂÙ·Ïχ-
Ûˆ˜ ÙÔ˘ ¤ÙÔ˘˜ 2013 ‹Ù·Ó Â›Û˘ ıÂÙÈÎfi Î·È ¤Êı·Ó ٷ 389 ÂηÙ.ú.
™‡Ìʈӷ Ì ÙËÓ Î·Ù·ÁÚ·Ê‹ ÙˆÓ ÏÔÁ·ÚÈ·ÛÌÒÓ ÂÎÌÂÙ·Ïχۈ˜ ÙˆÓ
ÏÔÈÒÓ ·ÛÊ·Ï›ÛÂˆÓ Î·Ù¿ ∑ËÌÈÒÓ ¤ÙÔ˘˜ 2014, ÙÔ Û‡ÓÔÏÔ ÙˆÓ ÂÛfi‰ˆÓ
·Ó‹Ïı ÛÙ· 888 ÂηÙ.ú ÂÓÒ ÙÔ Û‡ÓÔÏÔ ÙˆÓ ÂÍfi‰ˆÓ ÛÙ· 409 ÂηÙ.ú ·Ê‹-
ÓÔÓÙ·˜ ¤ÙÛÈ ¤Ó· ıÂÙÈÎfi Ù¯ÓÈÎfi ·ÔÙ¤ÏÂÛÌ· ÂÎÌÂÙ·Ïχۈ˜ ÏÔÈÒÓ
·ÛÊ·Ï›ÛÂˆÓ ˙ËÌÈÒÓ ‡„Ô˘˜ 479 ÂηÙ.ú. ∆Ô ·ÓÙ›ÛÙÔÈ¯Ô ·ÔÙ¤ÏÂÛÌ· ÂÎ-
ÌÂÙ·Ïχۈ˜ ÙÔ˘ ¤ÙÔ˘˜ 2013 ¤Êı·Ó ٷ 488 ÂηÙ.ú.
™˘ÓÂÒ˜ ·fi ÙÔ Û‡ÓÔÏÔ ÙˆÓ ÏÔÁ·ÚÈ·ÛÌÒÓ ÂÎÌÂÙ·Ïχۈ˜ ¤ÙÔ˘˜ 2014
·ıÚÔÈÛÙÈο, ÚÔ·ÙÂÈ fiÙÈ ÙÔ Û‡ÓÔÏÔ ÙˆÓ ÂÛfi‰ˆÓ ·Ó‹Ïı ÛÙ· 4,2 ‰ÈÛ.
ú ÂÓÒ ÙÔ Û‡ÓÔÏÔ ÙˆÓ ÂÍfi‰ˆÓ ÛÙ· 2,8 ‰ÈÛ.ú ·Ê‹ÓÔÓÙ·˜ ¤ÙÛÈ ¤Ó· ıÂÙÈÎfi
Ù¯ÓÈÎfi ·ÔÙ¤ÏÂÛÌ· ÂÎÌÂÙ·Ïχۈ˜ ‡„Ô˘˜ 1,5 ‰ÈÛ. ú, ÂÓÒ ÙÔ ·ÓÙ›ÛÙÔȯÔ
ÁÈ· ÙÔ 2013 ‹Ù·Ó 2,0 ‰ÈÛ.ú.
∂™√¢∞- ∂•√¢∞ ∞™º∞§π™∂ø¡ ZøH™
(Û ÂηÙ.ú)
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™25
∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™
∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™

26. ∞¶√∆∂§∂™ª∞∆∞ Ã∏™∂ø™
∆Ô Û‡ÓÔÏÔ ÙˆÓ ÎÂÚ‰ÒÓ (ÚÔ ÊfiÚˆÓ) ¤Êı·Û ٷ 377 ÂηÙ.ú ÙÔ 2014,
ÂÓÒ ÙÔ 2013 ‹Ù·Ó 548 ÂηÙ.ú.
™˘ÁÎÂÎÚÈ̤ӷ ÙÔ Û‡ÓÔÏÔ ÙˆÓ Ù¯ÓÈÎÒÓ ·ÔÙÂÏÂÛÌ¿ÙˆÓ fiÏˆÓ ÙˆÓ ÎÏ¿-
‰ˆÓ ·ÛÊ¿ÏÈÛ˘ ·Ó‹Ïı ÛÙÔ1,5 ‰ÈÛ.ú ÙÔ 2014, ÂÓÒ ‹Ù·Ó 2,0 ‰ÈÛ.ú ÙÔ
2013.
∞fi ÙÔ Û‡ÓÔÏÔ ÙˆÓ ·ÓˆÙ¤Úˆ, fiÙ·Ó ·Ê·ÈÚÔ‡ÓÙ·È Ù· ÁÂÓÈο ¤ÍÔ‰· (Û˘-
ÓÔÏÈο 1,1 ‰ÈÛ.ú), ÚÔ·ÙÔ˘Ó Î¤Ú‰Ë (ÚÔ ÊfiÚˆÓ) ‡„Ô˘˜ 377 ÂηÙ.
ú ÙÔ 2014, ¤Ó·ÓÙÈ 548 ÂηÙ.ú ÙÔ 2013.
ªÂÙ¿ ÙËÓ ·Ê·›ÚÂÛË Î·È ÙˆÓ ÊfiÚˆÓ (133 ÂηÙ.ú ÙÔ 2014 ¤Ó·ÓÙÈ 138
ÂηÙ.ú ÙÔ 2013) ÚÔ·ÙÂÈ Î·ı·Úfi ΤډԘ (ÌÂÙ¿ ÊfiÚˆÓ) ‡„Ô˘˜ 244
ÂηÙ.ú ÙÔ 2014 (·ÓÙ›ÛÙÔȯ· 410 ÂηÙ.ú ΤډԘ ÙÔ 2013).
¢π∞Ã√¡π∫∞ ∞¶√∆∂§∂™ª∞∆∞ Ã∏™∏™
(Û ÂηÙ.ú)
∫∞£∞ƒO A¶OTE§E™MA
(ª∂∆∞ º√ƒø¡)
A¶OTE§E™MA
(¶PO º√ƒø¡)
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™26
∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™
∆∞ ª∂°∂£∏ ∆∏™ ∂§§∏¡π∫∏™
∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™

27. ¶π¡∞∫∂™
™∆∞∆π™∆π∫ø¡
ª∂°∂£ø¡
¶π¡∞∫∂™
™∆∞∆π™∆π∫ø¡
ª∂°∂£ø¡

28. ¶π¡∞∫∞™ 1: ª∞∫ƒ√√π∫√¡√ªπ∫∞ ¢∂¢√ª∂¡∞ ∆∏™ ∂§§∏¡π∫∏™ √π∫√¡√ªπ∞™
ŒÙÔ˜
% ∞ÛÊ·Ï›ÛÙÚˆÓ % ∂ÂÓ‰‡ÛÂˆÓ ∫·Ù¿ ∫ÂÊ·Ï‹Ó ∞ÛÊ¿ÏÈÛÙÚ· ™‡ÓÔÏÔ
Â› ÙÔ˘ ∞.∂.¶. Â› ÙÔ˘ ∞.∂.¶. ∑ˆ‹˜ ∑ËÌÈÒÓ (ú)
2000 1,95% 3,97% 123,34 129,87 253,21
2001 1,88% 3,75% 120,35 140,39 260,74
2002 1,95% 3,59% 122,25 165,39 287,64
2003 1,99% 3,88% 133,91 188,35 322,26
2004 2,06% 4,13% 160,36 198,75 359,11
2005 2,16% 4,65% 178,61 208,69 387,30
2006 2,17% 4,80% 209,16 215,92 425,07
2007 2,20% 5,09% 225,75 233,10 458,85
2008 2,15% 4,68% 223,14 242,83 465,97
2009 2,29% 5,28% 224,31 262,69 487,00
2010 2,36% 4,99% 207,84 270,25 478,09
2011 2,41% 5,04% 195,36 253,81 449,18
2012 2,31% 5,77% 175,67 223,89 399,56
2013 2,22% 6,33% 153,57 212,93 366,51
2014 2,23% 6,77% 172,09 190,84 362,93
¶π¡∞∫∞™ 2: ª∞∫ƒ√√π∫√¡√ªπ∫∞ ¢∂¢√ª∂¡∞ ∆∏™ ∂§§∏¡π∫∏™ ∞™º∞§π™∆π∫∏™ ∞°√ƒ∞™
¶π¡∞∫∂™ ™∆∞∆π™∆π∫ø¡ ª∂°∂£ø¡¶π¡∞∫∂™ ™∆∞∆π™∆π∫ø¡ ª∂°∂£ø¡
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™28
ŒÙÔ˜ ∞ηı¿ÚÈÛÙÔ ∂Á¯ÒÚÈÔ ¶ÚÔ˚fiÓ ¶ÏËı˘ÛÌfi˜ ¶ÏËıˆÚÈÛÌfi˜* ∞ÓÂÚÁ›·*
2000 141.732 10.917.457 3,2% 11,4%
2001 151.987 10.951.781 3,4% 10,8%
2002 162.274 10.983.721 3,6% 10,3%
2003 178.571 11.018.301 3,5% 9,7%
2004 193.013 11.055.697 2,9% 10,5%
2005 199.153 11.092.923 3,5% 9,9%
2006 217.831 11.127.921 3,2% 8,9%
2007 232.831 11.163.026 2,9% 8,4%
2008 242.096 11.186.479 4,2% 7,8%
2009 237.431 11.187.103 1,2% 9,6%
2010 226.031 11.153.470 4,7% 12,7%
2011 207.029 11.103.086 3,3% 17,9%
2012 191.204 11.037.005 1,5% 24,4%
2013 180.389 10.947.606 -0,9% 27,5%
2014 177.559 10.926.807 -1,3% 26,5%
(∞.∂.¶. Û ÂηÙ.ú, Û ÙÚ¤¯Ô˘Û˜ ·ÁÔÚ·›Â˜ ÙÈ̤˜) * ª¤ÛÔ˜ ÂÙ‹ÛÈÔ˜ ‰Â›ÎÙ˘

29. ∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™29
∞™º∞§π™∂π™ ∑∏ªπø¡ ∞™º∞§π™∂π™ ∑ø∏™ ™À¡√§√ ∞™º∞§π™∆ƒø¡
ŒÙÔ˜
∆Ú¤¯Ô˘Û˜ ∞ÔÏËıˆÚÈṲ̂Ó˜ ∆Ú¤¯Ô˘Û˜ ∞ÔÏËıˆÚÈṲ̂Ó˜ ∆Ú¤¯Ô˘Û˜ ∞ÔÏËıˆÚÈṲ̂Ó˜
∆È̤˜ ∆È̤˜ ∆È̤˜ ∆È̤˜ ∆È̤˜ ∆È̤˜
2000 17,0% 13,5% -1,4% -4,4% 6,8% 3,5%
2001 8,4% 4,9% -2,1% -5,3% 3,3% -0,1%
2002 18,1% 14,0% 1,9% -1,7% 10,6% 6,8%
2003 14,2% 10,3% 9,9% 6,1% 12,4% 8,6%
2004 5,9% 2,9% 20,2% 16,8% 11,8% 8,7%
2005 5,4% 1,7% 11,8% 7,9% 8,2% 4,5%
2006 3,8% 0,6% 17,5% 13,8% 10,1% 6,7%
2007 8,3% 5,3% 8,3% 5,2% 8,3% 5,2%
2008 4,4% 0,2% -1,0% -4,9% 1,8% -2,3%
2009 8,2% 6,9% 0,5% -0,7% 4,5% 3,3%
2010 2,6% -2,0% -7,6% -11,8% -2,1% -6,5%
2011 -6,5% -9,5% -6,4% -9,4% -6,5% -9,5%
2012 -12,3% -13,6% -10,6% -11,9% -11,6% -12,9%
2013 -5,7% -4,8% -13,3% -12,5% -9,0% -8,2%
2014 -10,5% -9,4% 11,8% 13,3% -1,2% 0,1%
¶π¡∞∫∞™ 4: ∂°°∂°ƒ∞ªª∂¡∞ ∞™º∞§π™∆ƒ∞ - ∂∆∏™π∞ ¶√™√™∆π∞π∞ ª∂∆∞µ√§∏
∫Ï¿‰ÔÈ ∞ÛÊ¿ÏÈÛ˘
∞¡ø¡Àª∂™ À¶√∫∞∆∞™∆∏ª∞∆∞ ∞§§∏§∞™º∞§π™∆π∫√π
™À¡√§√
∂∆∞πƒπ∂™ ∞§§√¢∞¶ø¡ ∞™º∞§π™∆π∫ø¡ ™À¡∂∆∞πƒπ™ª√π
∞ÛÊ·Ï›ÛÂȘ ∑ˆ‹˜ 1.878.106.744,66 2.298.385,40 0,00 1.880.405.130,06
∞ÛÙÈ΋ ∂˘ı‡ÓË √¯ËÌ¿ÙˆÓ 952.025.439,32 69.190.092,62 4.757.126,44 1.025.972.658,38
§ÔÈÔ› ∫Ï¿‰ÔÈ ∑ËÌÈÒÓ 922.401.528,81 135.259.633,19 1.655.780,98 1.059.316.942,98
™‡ÓÔÏÔ 3.752.533.712,79 206.748.111,21 6.412.907,42 3.965.694.731,42
¶π¡∞∫∞™ 5: ∞¡∞§À™∏ ¶∞ƒ∞°ø°∏™ ∞™º∞§π™∆ƒø¡ ∂∆√À™ 2014 (¶ÔÛ¿ Û ú)
ŒÙÔ˜
∞™º∞§π™∂π™ ∑∏ªπø¡ ∞™º∞§π™∂π™ ∑ø∏™ ™À¡√§√
∞ÛÊ¿ÏÈÛÙÚ· ™˘ÌÌÂÙÔ¯‹ % ∞ÛÊ¿ÏÈÛÙÚ· ™˘ÌÌÂÙÔ¯‹ % ∞™º∞§π™∆ƒø¡
2000 1.417,8 51,29% 1.346,6 48,71% 2.764,4
2001 1.537,5 53,84% 1.318,0 46,16% 2.855,6
2002 1.816,6 57,50% 1.342,8 42,50% 3.159,3
2003 2.075,3 58,45% 1.475,4 41,55% 3.550,7
2004 2.197,4 55,35% 1.772,8 44,65% 3.970,2
2005 2.314,9 53,88% 1.981,3 46,12% 4.296,3
2006 2.402,7 50,79% 2.327,5 49,21% 4.730,2
2007 2.602,1 50,80% 2.520,1 49,20% 5.122,2
2008 2.716,4 52,11% 2.496,1 47,89% 5.212,5
2009 2.938,7 53,94% 2.509,4 46,06% 5.448,1
2010 3.014,3 56,53% 2.318,1 43,47% 5.332,3
2011 2.818,1 56,51% 2.169,1 43,49% 4.987,3
2012 2.471,1 56,03% 1.938,9 43,97% 4.410,0
2013 2.331,1 58,10% 1.681,3 41,90% 4.012,4
2014 2.085,3 52,58% 1.880,4 47,42% 3.965,7
¶π¡∞∫∞™ 3: ™À¡√§π∫∏ ¶∞ƒ∞°ø°∏ ∂°°∂°ƒ∞ªª∂¡ø¡ ∞™º∞§π™∆ƒø¡ (¶ÔÛ¿ Û ÂηÙ. ú)
¶π¡∞∫∂™ ™∆∞∆π™∆π∫ø¡ ª∂°∂£ø¡¶π¡∞∫∂™ ™∆∞∆π™∆π∫ø¡ ª∂°∂£ø¡

30. ∞ÛÊ¿ÏÈÛÙÚ· %
∫Ï¿‰ÔÈ ∞ÛÊ¿ÏÈÛ˘ ·fi ¶ÚˆÙ·ÛÊ·Ï›ÛÂȘ Â› ÙÔ˘
& ¢ÈηÈÒÌ·Ù· ™˘Ì‚ÔÏ·›ˆÓ Û˘ÓfiÏÔ˘
∞. ∞ÛÊ·Ï›ÛÂȘ ηٿ ∑ËÌÈÒÓ
1. ∞Ù˘¯‹Ì·Ù· 37.936.211,73 1,82%
2. ∞Ûı¤ÓÂȘ 25.883.802,19 1,24%
3. ÃÂÚÛ·›· Ô¯‹Ì·Ù· 209.456.116,20 10,04%
5. ∞ÂÚÔÛοÊË 264.199,05 0,01%
6. ¶ÏÔ›· (ı·Ï¿ÛÛÈ·, ÏÈÌÓ·›·, ÔÙ¿ÌÈ·) 11.526.216,58 0,55%
7. ªÂÙ·ÊÂÚfiÌÂÓ· ÂÌÔÚ‡̷ٷ 23.618.159,88 1,13%
8. ¶˘Úη˚¿ Î·È ÛÙÔȯ›· Ù˘ ʇÛˆ˜ 361.782.318,32 17,35%
9. §ÔÈ¤˜ ˙Ë̛˜ ·Á·ıÒÓ 109.373.953,29 5,25%
10. ∞ÛÙÈ΋ ¢ı‡ÓË ¯ÂÚÛ·›ˆÓ Ô¯ËÌ¿ÙˆÓ 1.025.972.658,38 49,20%
11. ∞ÛÙÈ΋ ¢ı‡ÓË ·fi ·ÂÚÔÛοÊË 651.568,82 0,03%
12. ∞ÛÙÈ΋ ¢ı‡ÓË ÏÔ›ˆÓ 7.222.231,30 0,35%
13. °ÂÓÈ΋ ·ÛÙÈ΋ ¢ı‡ÓË 76.629.546,41 3,67%
14. ¶ÈÛÙÒÛÂȘ 28.830.351,95 1,38%
15. ∂ÁÁ˘‹ÛÂȘ 430.900,87 0,02%
16. ¢È¿ÊÔÚ˜ ¯ÚËÌ·ÙÈΤ˜ ·ÒÏÂȘ 32.034.717,51 1,54%
17. ¡ÔÌÈ΋ ÚÔÛÙ·Û›· 38.261.628,99 1,83%
18. µÔ‹ıÂÈ· 95.415.019,89 4,58%
™‡ÓÔÏÔ ∞ÛÊ·Ï›ÛÂˆÓ Î·Ù¿ ∑ËÌÈÒÓ 2.085.289.601,36 100,00%
µ. ∞ÛÊ·Ï›ÛÂȘ ∑ˆ‹˜
I. ∫Ï¿‰Ô˜ ∑ˆ‹˜ 1.231.420.795,38 65,49%
III. ∫Ï¿‰Ô˜ ∞ÛÊ¿ÏÈÛ˘ ∑ˆ‹˜ Û˘Ó‰. Ì ∂ÂÓ‰‡ÛÂȘ 398.121.322,01 21,17%
IV. ∫Ï¿‰Ô˜ ∞ÛÊ¿ÏÈÛ˘ ÀÁ›·˜ 99.594.558,60 5,30%
VI. ∫Ï¿‰Ô˜ ∫ÂÊ·Ï·ÈÔÔ›ËÛ˘ 114.977,79 0,01%
VII. ∫Ï¿‰Ô˜ ¢È·¯Â›ÚÈÛ˘ √Ì·‰ÈÎÒÓ ™˘ÓÙ·Í. ∆·Ì›ˆÓ 151.153.476,28 8,04%
™‡ÓÔÏÔ ∞ÛÊ·Ï›ÛÂˆÓ ∑ˆ‹˜ 1.880.405.130,06 100,00%
¶π¡∞∫∞™ 6: ∂∫∆πª∏™∏ ¶∞ƒ∞°ø°∏™ ∞™º∞§π™∆ƒø¡ ∫∞∆∞ ∫§∞¢√ ∂∆√À™ 2014 (¶ÔÛ¿ Û ú)
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™30
¶π¡∞∫∂™ ™∆∞∆π™∆π∫ø¡ ª∂°∂£ø¡¶π¡∞∫∂™ ™∆∞∆π™∆π∫ø¡ ª∂°∂£ø¡

31. ∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™31
∫Ï¿‰ÔÈ ∞ÛÊ¿ÏÈÛ˘
∞ÛÊ¿ÏÈÛÙÚ· ·fi ÚˆÙ·ÛÊ·Ï›ÛÂȘ & ¢ÈηÈÒÌ·Ù· ™˘Ì‚ÔÏ·›ˆÓ MÂÙ·‚ÔÏ‹
2014 2013 %
∞. ∞ÛÊ·Ï›ÛÂȘ ηٿ ∑ËÌÈÒÓ
1. ∞Ù˘¯‹Ì·Ù· 37.936.211,73 41.574.619,16 -8,75%
2. ∞Ûı¤ÓÂȘ 25.883.802,19 20.361.332,30 27,12%
3. ÃÂÚÛ·›· Ô¯‹Ì·Ù· 209.456.116,20 240.607.025,89 -12,95%
5. ∞ÂÚÔÛοÊË 264.199,05 136.053,59 94,19%
6. ¶ÏÔ›· (ı·Ï¿ÛÛÈ·, ÏÈÌÓ·›·, ÔÙ¿ÌÈ·) 11.526.216,58 10.873.965,24 6,00%
7. ªÂÙ·ÊÂÚfiÌÂÓ· ÂÌÔÚ‡̷ٷ 23.618.159,88 23.001.647,84 2,68%
8. ¶˘Úη˚¿ Î·È ÛÙÔȯ›· Ù˘ ʇÛˆ˜ 361.782.318,32 393.421.203,96 -8,04%
9. §ÔÈ¤˜ ˙Ë̛˜ ·Á·ıÒÓ 109.373.953,29 124.924.172,30 -12,45%
10. ∞ÛÙÈ΋ ¢ı‡ÓË ¯ÂÚÛ·›ˆÓ Ô¯ËÌ¿ÙˆÓ 1.025.972.658,38 1.198.272.964,08 -14,38%
11. ∞ÛÙÈ΋ ¢ı‡ÓË ·fi ·ÂÚÔÛοÊË 651.568,82 497.616,93 30,94%
12. ∞ÛÙÈ΋ ¢ı‡ÓË ÏÔ›ˆÓ 7.222.231,30 6.119.313,53 18,02%
13. °ÂÓÈ΋ ·ÛÙÈ΋ ¢ı‡ÓË 76.629.546,41 76.307.402,25 0,42%
14. ¶ÈÛÙÒÛÂȘ 28.830.351,95 26.865.048,50 7,32%
15. ∂ÁÁ˘‹ÛÂȘ 430.900,87 955.759,10 -54,92%
16. ¢È¿ÊÔÚ˜ ¯ÚËÌ·ÙÈΤ˜ ·ÒÏÂȘ 32.034.717,51 30.773.904,03 4,10%
17. ¡ÔÌÈ΋ ÚÔÛÙ·Û›· 38.261.628,99 42.073.902,39 -9,06%
18. µÔ‹ıÂÈ· 95.415.019,89 94.345.008,26 1,13%
µ. ∞ÛÊ·Ï›ÛÂȘ ∑ˆ‹˜
I. ∫Ï¿‰Ô˜ ∑ˆ‹˜ 1.231.420.795,38 1.214.378.140,69 1,40%
III. ∫Ï¿‰Ô˜ ∞ÛÊ¿ÏÈÛ˘ ∑ˆ‹˜ Û˘Ó‰. Ì ∂ÂÓ‰‡ÛÂȘ 398.121.322,01 247.345.974,84 60,96%
IV. ∫Ï¿‰Ô˜ ∞ÛÊ¿ÏÈÛ˘ ÀÁ›·˜ 99.594.558,60 76.597.262,68 30,02%
VI. ∫Ï¿‰Ô˜ ∫ÂÊ·Ï·ÈÔÔ›ËÛ˘ 114.977,79 52.999,56 116,94%
VII. ∫Ï¿‰Ô˜ ¢È·¯Â›ÚÈÛ˘ √Ì·‰ÈÎÒÓ ™˘ÓÙ·Í. ∆·Ì›ˆÓ 151.153.476,28 142.880.450,51 5,79%
¶π¡∞∫∞™ 7: ª∂∆∞µ√§∏ ¶∞ƒ∞°ø°∏™ ∞™º∞§π™∆ƒø¡ ∫∞∆∞ ∫§∞¢√ (¶ÔÛ¿ Û ú)
∫Ï¿‰ÔÈ ∞ÛÊ¿ÏÈÛ˘ ™‡ÓÔÏÔ 2014 % ™‡ÓÔÏÔ 2013 % ªÂÙ·‚ÔÏ‹ 2013-2014
∞ÛÊ·Ï›ÛÂȘ ∑ˆ‹˜ 82.598.245,18 16,23% 88.465.910,14 10,20% -6,63%
∞ÛÙÈ΋ ∂˘ı‡ÓË √¯ËÌ¿ÙˆÓ 92.737.410,85 18,22% 419.426.860,98 48,35% -77,89%
§ÔÈÔ› ∫Ï¿‰ÔÈ ∑ËÌÈÒÓ 333.609.363,85 65,55% 359.664.690,57 41,46% -7,24%
™‡ÓÔÏÔ 508.945.019,88 100,00% 867.557.461,69 100,00% -41,34%
¶π¡∞∫∞™ 8: ∞¡∞§À™∏ ∞¡∆∞™º∞§π™∆ƒø¡ (∂∫Ãøƒ∏™∂ø¡) (¶ÔÛ¿ Û ú)
2014 2013
¶ÏËÚˆı›Û˜ ªÂ›ÔÓ: ¶ÏËÚˆı›Û˜ ªÂ›ÔÓ:
∫Ï¿‰ÔÈ ∞Ô˙ËÌÈÒÛÂȘ ™˘ÌÌÂÙÔ¯‹ ∞Ô˙ËÌÈÒÛÂȘ ∞Ô˙ËÌÈÒÛÂȘ ™˘ÌÌÂÙÔ¯‹ ∞Ô˙ËÌÈÒÛÂȘ
∞ÛÊ¿ÏÈÛ˘ & ¶·ÚÔ¯¤˜ ∞ÓÙ·ÛÊ·ÏÈÛÙÒÓ (π‰›· ∫Ú¿ÙËÛË) & ¶·ÚÔ¯¤˜ ∞ÓÙ·ÛÊ·ÏÈÛÙÒÓ (π‰›· ∫Ú¿ÙËÛË)
∞ÛÊ·Ï›ÛÂȘ ∑ˆ‹˜ 1.519.932.854,48 52.225.864,06 1.467.706.990,42 1.754.458.192,84 62.968.531,57 1.691.489.661,27
∞ÛÙÈ΋ ∂˘ı‡ÓË
√¯ËÌ¿ÙˆÓ 566.553.204,66 71.789.649,74 494.763.554,92 601.119.092,00 97.260.284,47 503.858.807,53
§ÔÈÔ› ∫Ï¿‰ÔÈ
∑ËÌÈÒÓ 283.637.527,73 68.753.464,00 214.884.063,73 297.954.983,83 64.389.030,28 233.565.953,55
™‡ÓÔÏÔ 2.370.123.586,87 192.768.977,80 2.177.354.609,07 2.653.532.268,67 224.617.846,32 2.428.914.422,35
¶π¡∞∫∞™ 9: ∞¡∞§À™∏ ¶§∏ƒø£∂π™ø¡ ∞¶√∑∏ªπø™∂ø¡ & ¶∞ƒ√Ãø¡ (¶ÔÛ¿ Û ú)
¶π¡∞∫∂™ ™∆∞∆π™∆π∫ø¡ ª∂°∂£ø¡¶π¡∞∫∂™ ™∆∞∆π™∆π∫ø¡ ª∂°∂£ø¡

32. ¶ÏËÚˆı›Û˜ ∞Ô˙ËÌÈÒÛÂȘ ¶ÏËÚˆı›Û˜ ∞Ô˙ËÌÈÒÛÂȘ
& ¶·ÚÔ¯¤˜ & ¶·ÚÔ¯¤˜ ªÂÙ·‚ÔÏ‹
∫Ï¿‰ÔÈ ∞ÛÊ¿ÏÈÛ˘ 2014 % 2013 % 2013/2014
∞ÛÊ·Ï›ÛÂȘ ∑ˆ‹˜ 1.519.932.854,48 64,13% 1.754.458.192,84 66,12% -13,37%
∞ÛÙÈ΋ ∂˘ı‡ÓË √¯ËÌ¿ÙˆÓ 566.553.204,66 23,90% 601.119.092,00 22,65% -5,75%
§ÔÈÔ› ∫Ï¿‰ÔÈ ∑ËÌÈÒÓ 283.637.527,73 11,97% 297.954.983,83 11,23% -4,81%
™‡ÓÔÏÔ 2.370.123.586,87 100,00% 2.653.532.268,67 100,00% -10,68%
¶π¡∞∫∞™ 10: ª∂∆∞µ√§∏ ¶§∏ƒø£∂π™ø¡ ∞¶√∑∏ªπø™∂ø¡ & ¶∞ƒ√Ãø¡ (¶ÔÛ¿ Û ú)
¶ÔÛÔÛÙfi ¶ÔÛÔÛÙfi
ŒÙÔ˜ π‰›·˜ ∞ÓÙ·ÛÊ·Ï›ÛÙÚˆÓ
∫Ú¿ÙËÛ˘ (∞Ó·Ï‹„ˆÓ)
2000 85,76% 0,89%
2001 83,58% 1,66%
2002 83,84% 1,53%
2003 83,95% 1,50%
2004 85,17% 1,45%
2005 86,79% 1,63%
2006 87,65% 1,93%
2007 86,94% 1,97%
2008 86,80% 2,03%
2009 86,66% 2,15%
2010 86,01% 1,93%
2011 85,85% 2,07%
2012 85,37% 2,21%
2013 76,65% 2,26%
2014 86,18% 2,01%
¶π¡∞∫∞™ 11: ¶√™√™∆π∞π∞ ™Àªª∂∆√Ã∏
∞¡∆∞™º∞§π™∏™ (∂› ∞ÛÊ·Ï›ÛÙÚˆÓ)
∞ÛÊ·Ï›ÛÂȘ ∑ˆ‹˜ ™‡ÓÔÏÔ 2014 ™‡ÓÔÏÔ 2013 ªÂÙ·‚ÔÏ‹ 2013/2014
ŒÛÔ‰· 2.269.193.189,37 3.015.372.429,89 -24,75%
ŒÍÔ‰· 1.635.011.193,94 1.890.238.600,23 -13,50%
∆¯ÓÈÎfi ∞ÔÙ¤ÏÂÛÌ· ∞ÛÊ·Ï›ÛÂˆÓ ∑ˆ‹˜ 634.181.995,43 1.125.133.829,66 -43,63%
¶π¡∞∫∞™ 13: ™∆√πÃ∂π∞ ∂∫ª∂∆∞§§∂À™∂ø™ ∞™º∞§π™∂ø¡ ∑ø∏™ (¶ÔÛ¿ Û ú)
∞ÛÊ¿ÏÈÛË ∞ÛÙÈ΋˜ ∂˘ı‡Ó˘ √¯ËÌ¿ÙˆÓ ™‡ÓÔÏÔ 2014 ™‡ÓÔÏÔ 2013 ªÂÙ·‚ÔÏ‹ 2013/2014
ŒÛÔ‰· 1.091.648.610,72 910.582.094,94 19,88%
ŒÍÔ‰· 727.329.889,29 521.292.451,00 39,52%
∆¯ÓÈÎfi ∞ÔÙ¤ÏÂÛÌ· ∞ÛÊ¿ÏÈÛ˘
∞ÛÙÈ΋˜ ∂˘ı‡Ó˘ √¯ËÌ¿ÙˆÓ 364.318.721,43 389.289.643,94 -6,41%
¶π¡∞∫∞™ 14: ™∆√πÃ∂π∞ ∂∫ª∂∆∞§§∂À™∂ø™ ∞™º∞§. ∞™∆π∫∏™ ∂À£À¡∏™ √Ã∏ª∞∆ø¡ (¶ÔÛ¿ Û ú)
§ÔÈ¤˜ ∞ÛÊ·Ï›ÛÂȘ ∑ËÌÈÒÓ ™‡ÓÔÏÔ 2014 ™‡ÓÔÏÔ 2013 ªÂÙ·‚ÔÏ‹ 2013/2014
ŒÛÔ‰· 887.973.923,28 958.132.285,54 -7,32%
ŒÍÔ‰· 408.942.124,91 470.015.769,57 -12,99%
∆¯ÓÈÎfi ∞ÔÙ¤ÏÂÛÌ· ∞ÛÊ¿ÏÈÛ˘
§ÔÈÒÓ ∫Ï¿‰ˆÓ ∑ËÌÈÒÓ 479.031.798,37 488.116.515,97 -1,86%
¶π¡∞∫∞™ 15: ™∆√πÃ∂π∞ ∂∫ª∂∆∞§§∂À™∂ø™ §√π¶ø¡ ∞™º∞§π™∂ø¡ ∑∏ªπø¡ (¶ÔÛ¿ Û ú)
∞ÛÊ¿ÏÈÛË ∞ÛÊ¿ÏÈÛË ∞ÛÊ·Ï›ÛÂȘ
ŒÙÔ˜ ∞ÛÙÈ΋˜ ∂˘ı‡Ó˘ §ÔÈÒÓ ∫Ï¿‰ˆÓ ∑ËÌÈÒÓ
√¯ËÌ¿ÙˆÓ ∑ËÌÈÒÓ ™˘ÓÔÏÈο
2000 88,14% 47,11% 68,61%
2001 78,14% 32,58% 56,15%
2002 83,48% 38,37% 61,48%
2003 79,12% 30,81% 55,08%
2004 77,68% 27,54% 52,62%
2005 82,33% 30,21% 55,58%
2006 80,13% 32,30% 54,60%
2007 78,82% 34,66% 54,89%
2008 86,29% 40,42% 60,79%
2009 79,71% 38,44% 57,61%
2010 69,78% 33,29% 51,49%
2011 62,35% 38,32% 49,72%
2012 57,32% 27,54% 42,67%
2013 54,52% 22,74% 38,32%
2014 48,18% 22,17% 34,61%
¶π¡∞∫∞™ 12: ¶√™√™∆√ ∞¶√∑∏ªπø™∂ø¡
(ªfiÓÔ ÁÈ· ∞ÛÊ·Ï›ÛÂȘ ∑ËÌÈÒÓ)
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™32
¶π¡∞∫∂™ ™∆∞∆π™∆π∫ø¡ ª∂°∂£ø¡¶π¡∞∫∂™ ™∆∞∆π™∆π∫ø¡ ª∂°∂£ø¡

33. ∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™33
ŒÙÔ˜
ÿ‰È· ∂Ù‹ÛÈ· ™‡ÓÔÏÔ ∂Ù‹ÛÈ· ∫¤Ú‰Ë ÃÚ‹Ûˆ˜ ∂Ù‹ÛÈ·
∫ÂÊ¿Ï·È· ªÂÙ·‚ÔÏ‹ ∂ÓÂÚÁËÙÈÎÔ‡ ªÂÙ·‚ÔÏ‹ (ÚÔ ÊfiÚˆÓ) ªÂÙ·‚ÔÏ‹
2000 1.447,6 20,28% 7.839,4 8,30% 167,6 -51,76%
2001 1.281,3 -11,49% 7.939,0 1,27% 5,7 -96,59%
2002 1.153,0 -10,01% 8.377,0 5,52% -202,0 -
2003 1.538,4 33,42% 9.577,1 14,33% 104,5 -
2004 1.675,6 8,92% 10.600,3 10,68% -62,9 -
2005 1.873,7 11,82% 11.926,8 12,51% 124,3 -
2006 2.095,4 11,83% 13.445,6 12,74% 179,1 44,02%
2007 2.048,4 -2,24% 14.937,6 11,10% 103,1 -42,43%
2008 1.573,7 -23,17% 14.688,8 -1,67% -491,9 -
2009 1.747,2 11,03% 16.237,1 10,54% 106,4 -
2010 1.493,1 -14,55% 15.745,1 -3,03% 101,1 -4,92%
2011 985,9 -33,97% 14.676,6 -6,79% -798,6 -
2012 1.687,1 71,12% 14.949,7 1,86% -502,6 -37,07%
2013 2.204,3 30,66% 15.338,2 2,60% 548,1 -
2014 2.346,1 6,43% 15.290,4 -0,31% 377,4 -31,15%
(∆· ÔÛ¿ Â›Ó·È Û ÂηÙ. ú)
¶π¡∞∫∞™ 17: √π∫√¡√ªπ∫∞ ™∆√πÃ∂π∞ ∞™º∞§π™∆π∫ø¡ ∂¶πÃ∂πƒ∏™∂ø¡
ŒÙÔ˜
∞ÛÊ·Ï›ÛÂˆÓ ∂Ù‹ÛÈ· ∞ÛÊ·Ï›ÛÂˆÓ ∂Ù‹ÛÈ· ¶ÚԂϤ„ÂȘ ∞ÛÊ·ÏÈÛÌ¤ÓˆÓ ∑ˆ‹˜ ∂Ù‹ÛÈ·
™‡ÓÔÏÔ
∂Ù‹ÛÈ·
∑ˆ‹˜ ªÂÙ·‚ÔÏ‹ ∑ËÌÈÒÓ ªÂÙ·‚ÔÏ‹ Ô˘ ʤÚÔ˘Ó ÙÔÓ ÂÂÓ‰˘ÙÈÎfi ΛӉ˘ÓÔ ªÂÙ·‚ÔÏ‹ ªÂÙ·‚ÔÏ‹
2000 3.241,8 -0,51% 1.667,2 14,48% 669,9 4,12% 5.578,8 4,12%
2001 3.374,6 4,10% 1.726,4 3,55% 748,0 11,66% 5.849,0 4,84%
2002 3.603,4 6,78% 1.968,1 14,00% 828,3 10,74% 6.399,8 9,42%
2003 3.933,9 9,17% 2.227,5 13,18% 916,1 10,60% 7.077,5 10,59%
2004 4.274,1 8,65% 2.398,9 7,69% 1.202,3 31,24% 7.875,3 11,27%
2005 4.684,4 9,60% 2.555,6 6,53% 1.652,7 37,47% 8.892,7 12,92%
2006 5.243,3 11,93% 2.717,1 6,32% 2.143,4 29,68% 10.103,7 13,62%
2007 5.814,2 10,89% 2.987,3 9,94% 2.492,7 16,30% 11.294,3 11,78%
2008 6.339,2 9,03% 3.393,6 13,60% 2.108,9 -15,40% 11.841,6 4,85%
2009 6.902,7 8,89% 3.813,9 12,38% 2.367,9 12,28% 13.084,5 10,50%
2010 6.752,6 -2,18% 3.646,9 -4,38% 2.066,2 -12,74% 12.465,7 -4,73%
2011 6.647,7 -1,55% 3.805,5 4,35% 1.780,9 -13,81% 12.234,2 -1,86%
2012 6.306,1 -5,14% 3.715,2 -2,38% 2.061,5 15,76% 12.082,8 -1,24%
2013 6.092,5 -3,39% 3.409,8 -8,22% 1.993,5 -3,30% 11.495,8 -4,86%
2014 6.189,9 1,60% 3.343,4 -1,95% 2.223,2 11,52% 11.756,5 2,27%
(∆· ÔÛ¿ Â›Ó·È Û ÂηÙ. ú)
¶π¡∞∫∞™ 18: ™À¡√§√ ∞™º∞§π™∆π∫ø¡ ¶ƒ√µ§∂æ∂ø¡
™‡ÓÔÏÔ 2014 ™‡ÓÔÏÔ 2013 ªÂÙ·‚ÔÏ‹ 2013/2014
ŒÛÔ‰· 4.248.815.723,37 4.884.086.810,37 -13,01%
ŒÍÔ‰· 2.771.283.208,14 2.881.546.820,80 -3,83%
™˘ÓÔÏÈÎfi ∆¯ÓÈÎfi ∞ÔÙ¤ÏÂÛÌ· 1.477.532.515,23 2.002.539.989,57 -26,22%
¶π¡∞∫∞™ 16: ™∆√πÃ∂π∞ ∂∫ª∂∆∞§§∂À™∂ø™ ™À¡√§√À ∞™º∞§π™∂ø¡ (∑ø∏™ & ∑∏ªπø¡) (¶ÔÛ¿ Û ú)
¶π¡∞∫∂™ ™∆∞∆π™∆π∫ø¡ ª∂°∂£ø¡¶π¡∞∫∂™ ™∆∞∆π™∆π∫ø¡ ª∂°∂£ø¡

34. 2014 2013
% ªÂÙ·‚ÔÏ‹
2013/2014
∞ÔÙÂϤÛÌ·Ù· ∂ÎÌÂÙ·Ïχۈ˜
∆¯ÓÈÎfi ·ÔÙ¤ÏÂÛÌ· ·ÛÊ·Ï›ÛÂˆÓ ˙ˆ‹˜ 634.181.995,43 1.125.133.829,66 -43,63%
∆¯ÓÈÎfi ·ÔÙ¤ÏÂÛÌ· ·ÛʷϛۈÓ
·ÛÙÈ΋˜ ¢ı‡Ó˘ Ô¯ËÌ¿ÙˆÓ 364.318.721,43 389.289.643,94 -6,41%
∆¯ÓÈÎfi ·ÔÙ¤ÏÂÛÌ· ·ÛʷϛۈÓ
ÏÔÈÒÓ ÎÏ¿‰ˆÓ ˙ËÌÈÒÓ 479.031.798,37 488.116.515,97 -1,86%
™˘ÓÔÏÈο AÔÙÂϤÛÌ·Ù·
(K¤Ú‰Ë/ZË̛˜) ∂ÎÌÂÙ·Ïχۈ˜ 1.477.532.515,23 2.002.539.989,57 -26,22%
M›ÔÓ
°ÂÓÈο ŒÍÔ‰· 1.100.167.108,71 1.454.430.410,58 -24,36%
∫·ı·Ú¿ ∞ÔÙÂϤÛÌ·Ù· ÃÚ‹Ûˆ˜
(ÚÔ ÊfiÚˆÓ) 377.365.406,52 548.109.578,99 -31,15%
M›ÔÓ
ºfiÚÔÈ 133.384.297,98 138.477.006,82 -3,68%
∫·ı·Ú¿ ∞ÔÙÂϤÛÌ·Ù· ÃÚ‹Ûˆ˜
(ÌÂÙ¿ ÙË ÊÔÚÔÏÔÁ›·) 243.981.108,54 409.632.572,17 -40,44%
¶π¡∞∫∞™ 20: ∞¶√∆∂§∂™ª∞∆∞ Ã∏™∂ø™ - ™À¡√§√ ∞™º∞§π™∆π∫ø¡ ∂¶πÃ∂πƒ∏™∂ø¡ (¶ÔÛ¿ Û ú)
∂¡ø™∏ A™º∞§π™∆π∫ø¡ E∆∞πƒπø¡ E§§∞¢√™34
∂ÂÓ‰‡ÛÂȘ 2014 ∂ÂÓ‰‡ÛÂȘ 2013 ∂ÂÓ‰‡ÛÂȘ 2012
2014 % ™‡ÓıÂÛË 2013 % ™‡ÓıÂÛË 2012 % ™‡ÓıÂÛË
∞ΛÓËÙ· 638.157.892,57 6,49% 655.246.442,12 6,95% 678.372.287,69 7,57%
™˘ÌÌÂÙÔ¯¤˜
Û ™˘Ó‰Â‰Â̤Ó˜
∂ȯÂÈÚ‹ÛÂȘ 211.659.396,43 2,15% 170.041.170,90 1,80% 161.017.783,35 1,80%
ªÂÙÔ¯¤˜ & ªÂÚ›‰È· ÎÏ.
Ù›ÙÏÔÈ ÌÂÙ·‚ÏËÙ‹˜
·fi‰ÔÛ˘ 1.415.415.571,73 14,39% 1.240.688.580,38 13,16% 1.263.018.796,75 14,09%
√ÌÔÏÔÁ›Â˜ ÎÏ.
Ù›ÙÏÔÈ ÛÙ·ıÂÚ‹˜
·fi‰ÔÛ˘ 6.644.365.043,83 67,53% 5.717.803.006,77 60,65% 5.591.176.092,11 62,38%
§ÔÈ¤˜
∂ÂÓ‰‡ÛÂȘ 929.457.969,80 9,45% 1.643.939.871,82 17,44% 1.269.226.702,72 14,16%
™‡ÓÔÏÔ 9.839.055.874,36 100,00% 9.427.719.071,99 100,00% 8.962.811.662,62 100,00%
¶π¡∞∫∞™ 19: ™À¡£∂™∏ ∂¶∂¡¢À™∂ø¡ ∞™º∞§π™∆π∫ø¡ ∂¶πÃ∂πƒ∏™∂ø¡ (¶ÔÛ¿ Û ú)
¶π¡∞∫∂™ ™∆∞∆π™∆π∫ø¡ ª∂°∂£ø¡¶π¡∞∫∂™ ™∆∞∆π™∆π∫ø¡ ª∂°∂£ø¡

36. ¶ƒ√™º∞∆∂™
∂∫¢√™∂π™
ª∂§∂∆∂™
¶ƒ√™º∞∆∂™
∂∫¢√™∂π™
ª∂§∂∆∂™

37. 75. ¶·Ú·ÁˆÁ‹ ·ÛÊ·Ï›ÛÙÚˆÓ ÂÓÓ·̋ÓÔ˘
2015
¡Ô¤Ì‚ÚÈÔ˜ 2015
http://www.eaee.gr/sites/default/files/oikmel-premium9months2015gr.pdf
74. √ÈÎÔÓÔÌÈο ·ÔÙÂϤÛÌ·Ù· ·ÛÊ·ÏÈÛÙÈÎÒÓ
ÂȯÂÈÚ‹ÛÂˆÓ 2014
√ÎÙÒ‚ÚÈÔ˜ 2015
http://www.eaee.gr/cms/sites/default/files/oikmel-companies2014gr.pdf
73. ∞ÛÙÈ΋ ¢ı‡ÓË ÍÂÓÔ‰fi¯ˆÓ 2009-2013
∞‡ÁÔ˘ÛÙÔ˜ 2015
http://www.eaee.gr/sites/default/files/oikmel-hotelliability2013gr.pdf
72. ¶·Ú·ÁˆÁ‹ ·ÛÊ·Ï›ÛÙÚˆÓ
π·ÓÔ˘·Ú›Ô˘-πÔ˘Ó›Ô˘ 2015
∞‡ÁÔ˘ÛÙÔ˜ 2015
http://www.eaee.gr/sites/default/files/oikmel-premium6months2015gr.pdf
71. ¶·Ú·ÁˆÁ‹ ·ÛÊ·Ï›ÛÙÚˆÓ
π·ÓÔ˘·Ú›Ô˘-ª·ÚÙ›Ô˘ 2015
∞Ú›ÏÈÔ˜ 2015
http://www.eaee.gr/sites/default/files/oikmel-premium3months2015gr.pdf
¶ƒ√™º∞∆∂™ ∂∫¢√™∂π™-ME§ETE™
À¶∏ƒ∂™π∞ ª∂§∂∆ø¡ ∫∞π ™∆∞∆π™∆π∫∏™
∂¡ø™∏ ∞™º∞§π™∆π∫ø¡ ∂∆∞πƒπø¡ ∂§§∞¢√™

38. 70. ∂ÈÛÎfiËÛË Ì ·ÚÈıÌԉ›ÎÙ˜ 2013
ºÂ‚ÚÔ˘¿ÚÈÔ˜ 2015
http://www.eaee.gr/sites/default/files/oikmel-ratios2013gr.pdf
69. ¶·Ú·ÁˆÁ‹ ·ÛÊ·Ï›ÛÙÚˆÓ ‰ˆ‰Âη̋ÓÔ˘
2014
ºÂ‚ÚÔ˘¿ÚÈÔ˜ 2015
http://www.eaee.gr/sites/default/files/oikmel-premium12months2014gr.pdf
68. º˘ÛÈΤ˜ ηٷÛÙÚÔʤ˜ Î·È Ù·Ú·¯¤˜
ÛÙËÓ ∂ÏÏ¿‰· 1993-2014
π·ÓÔ˘¿ÚÈÔ˜ 2015
http://www.eaee.gr/sites/default/files/oikmel-natcatgr.pdf
∂Ù‹ÛÈ· ™Ù·ÙÈÛÙÈ΋ ŒÎıÂÛË 2013
¢ÂΤ̂ÚÈÔ˜ 2014
http://www.eaee.gr/cms/sites/default/files/annualreport2013_0.pdf
http://www.eaee.gr/cms/eng/uploads/AnnualReport2013e.pdf
67. ∞ÛÊ¿ÏÈÛË ·˘ÙÔÎÈÓ‹ÙÔ˘ 2013
¢ÂΤ̂ÚÈÔ˜ 2014
http://www.eaee.gr/sites/default/files/oikmel-motor2013gr.pdf
¶ƒ√™º∞∆∂™ ∂∫¢√™∂π™-ME§ETE™
À¶∏ƒ∂™π∞ ª∂§∂∆ø¡ ∫∞π ™∆∞∆π™∆π∫∏™
∂¡ø™∏ ∞™º∞§π™∆π∫ø¡ ∂∆∞πƒπø¡ ∂§§∞¢√™

39. E.A.E.E. – ÀËÚÂÛ›· ªÂÏÂÙÒÓ Î·È ™Ù·ÙÈÛÙÈ΋˜
πˆ¿ÓÓ˘ º·Ûfi˘, M.A. fasois@eaee.gr
∫ˆÓÛÙ·ÓÙ›ÓÔ˜ ™Ù·ıfiÔ˘ÏÔ˜, M.Sc.,M.Res. cstathopoulos@eaee.gr
™¯Â‰È·ÛÌfi˜ ÂÓÙ‡Ô˘: ÃÚÈÛÙ›Ó· ¶ÔÚÈ¿zË

40. •ENOºøNTO™ 10 ñ 105 57 A£HNA ñ TH§. 210.33.34.100 ñ e-mail: info@eaee.gr